i dont know....the damage really doesnt look that bad, pics or in person, she was going like 60mph and he was dead stopped, so it was quite an impact im sure, the value of the jeep is right at 12k, and we still owe like 14-15k and im sure the damage isnt no where near 12k, Like I said, I dont know how all that works, all I know is I would rather waste 20k down the drain which we have already paid that much on it and just total it so we aint gotta pay 500.00 a month anymore, fuck it Id rather cut my losses now and just go buy a 2-3k cash car instead of payments every month, but its not my decision