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    "drive it like it is" assumes that it would pass inspection. The rules of inspection differ by location. Commented Aug 9, 2021 at 17:36
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    Agreed, that assumes that the car is road-worthy as it is. A broken windshield is almost universally unacceptable. We really don't know how bad it was beyond the OP description.
    – jwh20
    Commented Aug 9, 2021 at 17:37
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    I agree, I messed up on many aspects, wasn't thinking clearly. Now I'm airing out my frustration because of my own stupidity.
    – user760783
    Commented Aug 9, 2021 at 18:05
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    An artful Google search will help you consider your options, next time. I just searched "totaled value too low" and got a number of helpful articles on the first page of Google results. Commented Aug 9, 2021 at 23:33
  • It's unlikely that a lien holder (the company that financed your car loan) would agree to letting you keep the car and do the repairs on your own in this situation. Commented Aug 11, 2021 at 20:44