My GF got into a small accident with my 2007 BMW 328i, the hood got bent, cracked one headlight and broke up the fiberglass nose. I priced the parts to 1500. USAA first said that the computer program said it was a total loss but it was only 90% acurate and they had to pick up my car to get it evaluated. Now they are saying it is a total loss and the will only pay me 6800 for the car. i owe 7800 on the loan. this is not acceptable. I have told them i want my car back. But they are saying i have to pay off my loan to get my car back so i can get a salvaged title. That makes no sense to me. the car is not a total loss. They also havent told me how much the repairs would actually cost. I am so confused with this. What are my options at this point?