You are entitled to the Fair Market Value of your loss. If you have insurance, you should talk with them about your total loss.Ask a similar question
If you have auto use that for your total out loss claim. Otherwise consult a local property damage attorney. Also see if you have gap insurance if you are upside down on the value of your car vs. your loan payoff.
This is not intended to be legal advise or as legal representation. I am a California personal injury attorney . Be aware that every state has its own statute of limitations; and statutes & case laws that govern the handling of these matters.Ask a similar question