<prompt> Human: I own a 2002 Mercedes e320. Long story short someone hit my car and damaged the bumper. The headlight was fine and fully functional it is only cosmetic damage and the car is still very drivable and in good condition. After a month of trying to get in contact with the insurance company of the person who hit my car they finally agreed to cover the repairs. So I took it to a repair shop where they gave the insurance company an estimate. Today I received an email that my car was a total loss and to collect all my personal stuff say goodbye to it. I understand that its an older car and the cost to repair it was greater than the actually value of it. I bought it at 10000. Im in college and require my car to get around town I have been piggybacking off other people for rides and walking 45 minutes to classes. Is there any way I can stop them from taking my car because I really need my car right now and I cant afford to get a new one.  <response>: You do not have to accept the insurance companies value estimation of your car. Argue it to the point where it makes more sense for them to cash you out for repairs not total loss and keep the car. Make sure they are not declaring the car a loss. I argued a value of my car up for 3k to 9.5k. Insurance companies will always base the value of the car as low as they can. 