This is a Real PEAVE of Mine @INSURANCE @&*@**#&#&*@ Company Policiies you find out when you need em ;But IF they want to total it based on a G&*&*&*&* Damn Ford price then ask them how much the Buy Back is and repair it yourself .In future all of us need to insure our Toys for a Replacement Value or Stated value as you pay the same for your liability and or Full coverage on a twenty or older year MB as a NEW Cady or anything else out there(actually less on stated value ) .My point is if you total a 2006 Cady it will cost a Hell of a lot more than a Tail light and fender dammage on a 230E. Technically you can insure a Petrified Dog Turd for 200 Thousand Dollars or more by most insurers in any state under the STATED VALUE Clause they won't tell you about and that it is so much per Hundred Dollar Value . In closing and getting of the Pulpit here I strongly recommend that you contact yourSTATE Insurance Board and Broker for more details and also Keep all Records of your Repairs and even have an Appraisal done by a Certified Car Appraiser in the event this happens to you ....