50% exceed repair cost Insurance company will pay out than fix this is not specific state should apply to any stateCan you estimate how fast were they going? As long as there isn't major damage, I agree with Saj070. Be prepared for at least a month of repairs.
Curious saj070 - is the 50% value specific to your state from your knowledge?
I have a friend who is an under writer and the rule is for any insurance company if the repair cost exceed 50% or more they will give you the option for a buyout if they do not then ask them because if you factor in 20% diminished value $10k then it cheaper for the insurance company to buy out the car and sell it in the auction copart for 40%
This will relieve any additional cost after the Repairs and law suits