What are the options if the other drivers insurance wants to total your car?

Take what they offer you, or buy back car from them, and take a discounted amount of what they offer you. I would check and find out what fair market value of vehicle is before settling, but adjusters usually are pretty good about using Kelly blue Book,,etc... You usually will be given two options. Take the offer of the insurance company and let them keep the vehicle or take a lower pay off and you keep your own vehicle. If you had collision coverage on your own vehicle at the time of the accident you may be able to file a claim under your own policy in hopes of a better result. As a last option you can contact your states insurance department for help. If you think the offer that you are getting is too low then you will need to provide evidence that your car was worth more than the offer. Be aware that the advertised prices on vehicles is not what they are selling for and insurance companies use databases that tell them what that actual average sales prices are on vehicles. This is what they are basing their offer on most likely.