Please Help! Worried Ins is Going to Total My Cobalt :(
Last week a girl cut across three lanes of traffic, hitting my passenger side and forcing me to drive up over a concrete barrier or median ( not sure what it is called exactly- it was to divide a turn lane). At first glance, damage did not seem too bad:
Cracks/ scrapes on both sides of front bumper ( on my side from hitting the sign )
Passenger side mirror and headlight broken
Some sort of damge to front right tire, hubcap came off and tire looked torn up.
Misc body damge along entire passenger side. Nothing huge.
When I went to drive the car... my steering felt very loose. I can tell something is definitely wrong with the alignment. I noticed it was struggling to accelerate and making odd noise. Then my service air bag light came on ( airbags did not deploy). When I hit even the slightest bump my car feels like the tire is going to fly off.
The girl got a ticket and her insurance is accepting fault. They had me take it to a shop and someone will be looking at it next week. I thought no big deal, they'll fix it etc... until the adjuster on the phone said " it is an 07 cobalt... we might just be looking at a total loss here " WTF. My car isn't anything great... it is the regular model ( ls coupe ) and has 125k on it ...but I LOVE MY CAR. Not to mention it was just paid off from brand new last year.
What I'm trying to figure out here.. is if I should prepare myself for them to total it. I know nothing about cars or how much the repairs should be expected to cost. It didn't look THAT bad to me... but the concrete barrier? I hit was large and raised enough for my car to get stuck on. I hit it straight down the middle of my car at about 35-40. Could that have caused a significant amount of damage ?
I'm sorry I don't have any pictures of the body damage. I've never been in an accident and I wasn't even thinking.
Any help or input is REALLY appreciated!!! I'm so upset right now.
Side note.. kbb says my car is private value $3, 700. If that helps at all.