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my car was rear ended,damage to bumper,exhaust pipe and sidings,went to state farm authorize repair shop,estimate is $3258,my car is a 1997 montero sports 4wd,kelly book says at least $2500,state farm want the body shop to look further and tear apart the car,so that they can declare it total loss,we believe it just need a repair,we want to keep the car,we can't afford a new car at this time,what are our options