Totaled or nothing
I have never had a claim in over ten years... except once when my car was broken into. After my first accident, I was left with a damaged radiator and hood. They deemed the value was the same as the damage and wanted to total the car. I offered to pay the difference to repair it because the car was in excellent condition otherwise. No matter what, they would not let me do anything else other than total the car. There was no room for negotiations with them.