I've got an 05 Yukon with a bunch of miles that still runs like a top and is/was in pretty good shape until some girl tried to get through an intersection at OB and I popped her. Grille, front bumper, hood, right side lights and right front quarter panel will have to get replaced. If the insurance company - hers - decides the $$ to total it is less than the cost to repair what happens? I keep the car and get a check?