So someone hit my car while it was legally parked this past weekend. I know, heartbreaking and upsetting ! The car was unoccupied while this happened. So I towed the car to the best shop in the Chicago area, Gold Coast Auto Body for repairs. They took a look and after a day, told my insurance (when the adjuster called for a visit) that the car is unrepairable due to structural damages. My insurance told me that since it is not repairable, it will be a total loss. Now, my car was damaged for NO fault of mine, the police report supports this. Can someone tell me how will insurance decide my car's value? I have a Model S 90D 2017 with Premium Package with 22,900 miles. KBB tells me market value at only about $81,000. What should I expect from my insurance and how should I negotiate to get a fair value? Any insight will be GREATLY appreciated.