If they write it off its not the end of the world, you get the offer to buy it back as salvage, they tell you the salvage price (which will be literally peanuts) then pay you the rest of the value of the car In almost all cases you are quids in even after then paying to repair the issues, Shopping wisely (second-hand market) and repairing rather than replacing where you can and you will have your car pristine and a fair chunk of cash over. If your paying someone to do the job the quote will be a lot less than they quote if its an insurance job and you can get a belter of a job and deal by using small paint shops/repairers.