My car was parked and someone backed into it... my car is only worth 2500 though, and the damage is 1400. I was told by a friend that if the damages reach a certain amount, the insurance agency will just "buy" my car off me, because they dont feel its worth fixing. is this true? also, I would prefer they write me the check for the damages, is there a way to make that happen? I've never dealt with a car wreck before...