<prompt> Human: Basically, I leased a first hand new Mercedes C300 sedan in their brochure it was 50.9k msrp with all nice packages like amg line exterior, night package, etc in Aug18 first week. I got into an accident in Sep18 first week. The body shop partnering with the insurance estimated the repairs as 22k dollars including 6k in labour. The accident was basically me rear ending someone. The damages incurred were actually not that great, mostly like the front portion was damaged, nothing on the engine. Just the frame, bumper etc. Now the insurance company estimates my cars current value as 41k and is declaring this a total loss.What should i do in such a case? Remember, its a leased car so my down payment 6k actually etc also has probably gone down the drain, hasnt it?  <response>: Every friend I have ever had who wrecked their car and myself included. If the frame was damaged or bent the insurance company always deemed it a total loss. I have personally never heard an insurance company fix a car that had frame damage. 