Total Loss - Insurance Tips?

[ylwjacket]

So, this car that I've been asking so many questions about as of late, as of today, is a total loss.

My youngest daughter went camping in the mountains with a group of about 30 folks. They drove to the top of the mountain to watch the sunrise, and were coming back down, when the back fishtailed on a dirt/gravel road. As she tried to recover it, it hit a roadside drainage ditch, and the car rolled over. It landed wheels down.

There were 5 people on board. One passenger had stitches for a cut on her leg, but they were all otherwise unscathed. They thought it was glass, but I think it was the rear cupholder edge that cut her.

The car did what it was supposed to do, but will not live to tell the tale.

The engine looked fine everything underneath looked OK, and the occupant compartment looks brand new. The front bumper molding is gone, and the left and right front, as well as rear right quarter panels are all damaged. The roof rack collapsed a little on the driver side, popping the sunroof out. One rear wheel axle came out.

Does not look like there's structural damage, but I can not imagine that the insurance company wants to take on this rebuild. So, with all of the body work required, I am sure it's a total loss.

So - how to not get totally hosed by insurance? I expect a low ball offer that is half of replacement cost. I hope I'm wrong, but that's what I expect.

Anyone have any experience with this? Please feel free to PM if you don't want to post in public.

I'll post some pics at some point.

Honestly, this crash in many other cars would have been very, very bad.

The fact that they all walked away is truly remarkable.

She already says she'll never drive anything but an X5. She was saying that before, but she feels convinced this car saved 5 lives, and I think she's correct.

Anyways, tips or pointers would be appreciated. I have never dealt with a total loss scenario.