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Auto Insurane

I had some kid who couldn't drive a BMW take out my mail box and bump the front of my 1990 245. Damage to Volvo:
Bumper cover
Left turn signal assembly
trim above bumper.

never mind my:
freshly rebuilt trans
fully poly bushings F+R
IPD sway bars
HD Rear springs
etc...

and yes, the body is kinda rough. The plan was to finish the drive train rebuild this spring then come fall get the whole body painted. My worthless insurance company wants to total the vehicle.
Who is your guys favorite insurance company? Someone that isn't hell bent on totaling your cars at the slightest scratch? (they pulled the same stunt on my '82 wagon (I fixed for $100) and my 86 Porsche.)

Thanks!

Andrew






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