ANSWERS: 2
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How old is the car? They don't total cars for having "specific damages" - it's a numeric figure and depends on the value of your car. Frames can be repaired and replaced - it's structurally safe and doesn't harm the vehicle. You really should let your insurance handle it.
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Make the claim. If you don't like their determination, still get it fixed and trade it off. A lot of people will not drive a vehicle once it has been in an accident.
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