Insurance companies compare how much they'l pay for a repair against what the car is actually worth. A seemingly small repair can cost big money sometimes, due to high labor per hour/parts costs. If the car is too old, they may calculate that it is a total loss. If damage is not too bad, and you can buff/ polish most of it away, take any resonable offer they give you and run. That kind of sucks for you, the owner, but it's a fact of life. Even though you take pride in your vehicle, and have a value in your mind of what it's worth, it is still what it is to them, a '95 mitsubishi eclipse. Hope that you come out a winner, and get an understanding adjuster that looks at your car. Just a heads up on what you might encounter...Best of luck