car, so that the insurance? Like, I have an 2000 Honda Accord LX with 91500 miles on it..bought it 6 weeks back for $9200 out of the door..perfect body condition..the problem is I hit a tree and repair costs is approx. $6000 incld. Air Bags...KBB shows the price arnd $7500 + state tax+other fees.

Understand that just because you paid $9200, the car isn't necessarily worth that much. Many insurance companies have a ratio when determining when to declare a vehicle a total loss. It might be 70%, so if the costs of repair are 70% or more of the market vlaue of the car, they declare the vehicle a total loss. I would say the damages to your car exceeds that number. I hope you bought gap insurance if it's financed.