I'm so angry. Car insurance is a joke. A man ran a red light and hit my car. Its luckily only the bumper and no real damage other than cosmetic. I filed a claim. It's an older car and it's all I have, and here are my options

They have totaled the car.

Options:

1) They take my car and give me not enough to buy a new one.

2) I salvage my car, they give me not enough to fix it, and go without a car.
3) I drop the claim and keep my drivable car.

Are you kidding me? What is even the point. Just seems ridiculous to pay a premium every month to have options like that.

I think it's obvious what I decided to do. It seems so unfair but at least they can't take my car from me.