Lived in the U.S for two years now and trying to figure out how the insurance business works here. Somebody hit me at a parking lot. Headlight, hood , grille, radiator support and the body in between the bumper an headlight got pushed in. I got his info and called insurance co who came out two days later and looked at it. They estimated the repairs to $1700 but didn't give me a cash value for the car since it was to old and it would take them a few days to figure it out.
So I wonder if they value the car to less then $1700 and they called it a total loss what happens then? ( I live in Minnesota). She mentioned something about they were required by law to take it which I hope I missunderstod, is that right?

Any help very appreciated!
John