My wife’s 2011 Ford Fiesta was totaled. Should we accept a $2,000 insurance settlement or give up the car for $2,700?

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My wife’s 2011 Ford Fiesta was totaled. Should we accept a $2,000 insurance settlement or give up the car for $2,700?
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Summary

“The hood is bent, the radiator is cracked, and the front bumper is destroyed.”

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