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yo man, that really sucks. i just had a small accident with my 86 coupe just past saturday too, just rear bumper is cracked, no biggie.
the insurance company is most likely going to pay you red/blue book value for your car, ranging from 750-1500 depending on year of your 86. but you have options:
- talk to the person that hit you and see if you can get direct conpensation without dealing with insurance and get the car fixed
- write off the car, but show some examples of cars of the same type that sells (car ads) for more than what the blue/red book says to help you negotiate the pay-back
- write off the car, take the money and use a portion of it to buy back the car and fix it yourself. but after the car is fixed, you have to get the car certified and saftied again, since the car would carry a write off or salvage title
- deny the insurance company your car is a write off, but you don't get paid at all
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