What you are entitled to if someone else is at fault in totalling your car is the car's then-current fair market, or "blue book," value, which is undoubtedly much less than the current cost to replace the car; that is because when someone destroys your property, their obligation is to pay its value, not to buy you a new one. Since cars depreciate fast, blue book value is always less than the cost to buy one from a dealer. If the current blue book value is close to what they are offering, you should take the offer, since the alternative is to sue the at-fault driver, to get the difference between what you are offered and the fair market value, and it's almost certainly not worth it to spend the time and money on a lawsuit for that.
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