I would avoid letting your insurance "take care of you" if your car is totaled. Insurance companies push through these transactions fast and loose, of course to their monetary benefit and your detriment. For instance, my insurance company's proposed settlement offer to take care of my totaled vehicle was about ~$5k less than the what I negotiated with the at-fault driver's insurance company.

I'd recommend reviewing up your local laws and negotiating accident settlements with insurance companies yourself unless there are physical injuries involved or need to take someone to court.