When it comes to property damage, you are entiltled to the lesser of the cost of repair or the cost of replaement. It is up to you whether or not you actually choose to have the car repaired or if you pocket the money and forego the repairs.
California law is that you have a right to your own, independent estimate of repair. You should take it to an independent body shop, get a written estimate, and submit this to the insurance company and demand that they cut you a check!
You can easily cash out on the estimated amount of the repair to your car. If you have collision coverage, just get an estimate-from a good reputable shop, and present that to your own carrier and ask to cash out. this should not be a problem and will put the money in your pocket quickly. Good luck, Claude
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