My 1996 Van, Got hit by a Lady who back out of a parking place to fast as I was driving down the Isle, Damage to rear Passenger Q-panel, She admitted fault, Turn it over to 3rd party insurance, I paid 5800 originally for my Van , Their Insurance says Total it, because of 3300 to fix, it's a good Van, it's like new with only 77K miles on it, It still has a good 10-15 years of life left, I own a small business, and need it for my business, I would have to spend 12K to 14K for a similar Van in the shape of this one even though it would be a newer 2003-05 Ford it wouldn't be any better than what I have. I've ran Dodge Vans for years in my business up to 375K miles. what are my rights? do I have to accept their appraisal of 2500 to be paid and surrender my Keys & Van because they say soAlso personal property got damaged, my eye glasses flew off my face and got scratched, I thought I could take them to an eye wear place and get them polished, the eye business said no they would have to make a new pair, that came to 900 dollars, am I entitled to have the 3rd party insurance pay to replace them? The Van was previously repaired in the same spot as where the Vehicle was hit, however it was fixed, prime, and was to get painted the flowing week, This appointment got canceled because of the accident, and the Body man who previously repaired it , refused to do it, do all of his work all over again, he said let her Insurance Company fix it.