So about a week ago I got into an accident. The roads were a bit wet, i was cruising on the highway about 67-70. Speed limit was 60 and it is a pretty straight highway so i wasn't too woried about losing control on any curves. But then i got cut off and in trying to avoid the car i lost control. I first hit the concrete barrier dividing north and south bound lanes, that caused my car to actually spin, and i was facing traffic and went back across all three lanes of traffic. I hit a curb that was dividing the highway and the on-ramp that was about to merge. This is where the bulk of the damage happened. No other cars were hit, and everyone just kept on driving by since it was 6am. Now time for my real question... what's gunna happen now? This is my first accident of any kind. Car has full coverage through allstate. This is the email i got from the estimator. "I forwarded the estimate to Allstate. They are sending a re-inspector to view the estimate I wrote. Both front rails are split and the estimate totals over $18,500. They will review and get back with you. The process should take a few days." When talking with him before he used the words frame rails. I always thought if something happened to the frame the insurance company would total it. My car was a 2012 GT premium with the brembo brake package and 11,000 miles. Since repairs are less than the value of the car, do you think they are just going to repair it? Or is the whole frame rail issue going to deem the car totaled?