No
Yes, they will help, but they won't buy you a new car. Once your car is deemed totaled, the insurance company will usually pay you the value of the car before the accident minus your deductible. You can either buy back the totaled car and repair it or use the money towards a new car.
You can accept the claim and then buy back the car. This way you get money for the claim and you get to keep your car. The price for the car will be way lower at the totaled price than what you will receive in the claim.
Only if you buy it.
If you had not wrecked the car the answer would be yes. But you totaled the car so that makes it more complicated. If the mechanical problem caused the wreck you may have a case. If you are just trying to get your money back because you totaled the car then you have no morals and character. On the other hand if the mechanical problem caused the wreck then seek the advice of a lawyer.
Home equity loan perhaps. No bank is going to finance a totaled car.
I totaled my Mustang and was able to buy it back from the insurance company. They gave me the Blue-Book value less my $500 deductable. They would not insure it after I repaired it, I had to switch insurance carriers to get coverage.
usually
Certainly. If you buy a new car from a dealer and then wreck it, the dealer will be happy to give you back your old car and promptly return all of your money, and take back the ruined new car.
You will get actual cash value for the car and will sign the title and car over to the insurance company, unless you wish to buy it back for a reduced payout.
Some insurance companies will sell the car back to the owner. Others sell the totaled car to a salvage yard.
If the leinholder agrees to give you relief, then I suppose yes. But when you borrow money from someone you have to pay them back, even if what you bought isn't worth what you owe! If you want to protect yourself when your car is totaled, you need to buy good insurance.