so if my car is not going to be totalled and will be repaired instead, i will recieve a check for the loose of value to my car. the frame will be repaied instead of replaced. any idea how much value it has lost? it has the pony package, 4100 miles on it, perfect condition before accident. the insurance company has assured me i will have to go with the appraisal that their agent decides is appropiate. just wondering about what to expect. i plan to try and use the money along with the car to trade for a new one. does that sound possible. i have only made 2 payments on it so far and am financed with the ford motor company.