It's a 325ic with 137,000 miles. The grill and hood are wrecked and the fan was pushed into the radiator. No fluids are leaking and the car appears to drive normally.The insurance company (Quincy Mutual) totaled it, saying there was $5000.00 in damage (without even opening the hood). I haven't seen the numbers yet but please let me know your thoughts: Should I try to buy the car back from them and have it repaired myself? How much should I pay them for "salvage value"? Any tips on dealing with the insurance company?