When I got in an accident they were going to fix my car. It was borderline if they would total it or not.I finally, with the help of my dad (who own's a car dealership) talked him into totalling it. Even if KBB says the car is worth 1900, they should still total it, the vehicle should be close enough to the thresh hold that if you talk to him a bit, he should total it. Tell him that you don't feel safe in that vehicle with how damaged it is, or something along that line, and he might give you the "Totaled" tag. When he goes to give you a price to settle with you, go online, and find a couple of cars that were the same as yours. Look at dealer websites. You'll have to find one that has the virtually the same equipment as yours does, but you might be able to squeeze him for a few hundred more if you prove to him that it would cost you more than that to replace the exact vehicle. If he realizes that you're educated about your car's value before you settle he might just throw in the towel so to say, and give you a better price.