Watch this short video to learn the 12 steps you should take should an auto accident occur despite your best efforts.
https://www.injuryclaimcoach.com/auto-accident-victims.html#Tip4

You’re required to report any crash (regardless of the severity of the situation) to your auto insurance company — even if you believe you’re not at fault. In fact, the fair and speedy processing of your claim can depend on the facts you provide following the accident.
https://money.howstuffworks.com/personal-finance/auto-insurance/5-things-to-tell-insurance-company-after-crash.htm

Calculating the total insurance loss for your car insurance is mainly based on an average car comparison, but there are varying factors that can impact the final result. Learn more here.
https://www.carinsurancecomparison.com/how-do-i-calculate-a-total-insurance-loss-for-my-car-insurance/