<prompt> Human: Howdy and thanks in advance for any responses!About a month ago I was rear-ended at a red light at about 10-15mph. I was slightly pushed into the truck in front of me. I had a little neck but was largely okay as was the rear-ender and the man in the truck. The initial damage appeared to be only cosmetic and my car was still drivable. Both the rear-ender and I have USAA insurance and USAA deemed him to be at fault. The truck in front had no damage at all and is no longer involved.My car was taken to a shop to be inspected for USAA. After about a week, I was informed by USAA that the damage to the car was largely cosmetic but was considered a total loss, not totaled but total loss. This was because the cost of repair came close to or exceed the value of my car. Repair costs would be 2,700.They offered me 3,000 to scrap my car or 2,200 if I kept my car instead. Additionally the adjuster for the man who rear-ended me called me and offered a 200 settlement after hearing I had had some slight neck pain after the accident.So currently I have two offers to consider from USAA. One in regards to my car and the other about some neck pain. I want to keep my car since the damage is only cosmetic and still drivable. My car is a 2006 Ford Escape with no previous accidents.So are these good deals or is USAA trying to settle this as cheaply as possible? Thanks!TL;DR: After accident with the other party at fault, I received two offers. One in regards to my car, one in regards to my slight neck pain. Are these good deals?  <response>: Their job is to minimize loss of course. Depending on the state you live in, you may have other options. You may be able to go to any body shop and get a repair quote and have them pay it to you, then you decide to do the repair or not. Cosmetic is a term they throw at you so you will agree its not serious. You may also be entitled to lost work wages for the time it takes you to get this repaired, a rental car reimbursement, etc. As far as your neck injury whats the rush? Have you even seen anyone about this ? You can settle on the car and not on the injury. Speak to your own insurance agent if you have one, or an attorney if you know one, or accept their money and get on with your life. Trying to get more may take weeks or months. 