If you haven't already contacted your insurance, I'd say don't. If you go the insurance route, you can look at higher expenses with an increase in your rate, the cost in time and money trying to find a decent replacement, etc. Not to mention, if you decide to buy the totalled car back, it's resale value will be much less, should you ever decide to sell it later. Plus, if you were to have a second accident any time soon, they could drop you entirely. I suggest that it'd be cheaper and no more of a hassle to just deal with this out of pocket. You can get the supension fixed and aligned, or rent a lift/put the car up on jack stands and see for yourself what's broken. Take pics and show us what's broken, and lots of folks with tons of experience (Smolk, are you there?) can chime in with helpful advice. And don't feel too bad about the negative comments about your driving. Those folks weren't behind the wheel, and therefore don't know the exact circumstances. Good luck!
Last edited by Fishful Thinking; 02-01-2013 at 12:29 PM.
Reason: added stuff