So I got in a car accident in a 1967 mustang?
As always, they will try to low-ball you and give you the lowest possible amount. If totaled, don't take the check if you think your car is (resonably) worth more then they are offering. They will call or show up or sometimes just send you a check. If you cash that check, then that is all you will get. So don't cash a check that is worth less than your car is worth. Tell them "No, I think it is worth more." and send the check back. Remember, they're not your insurance company, so they're not trying to please you.