There is another option to consider in some cases . If you know your car is in other respects a 'goodun' it might be worth keeping and getting the repairs done privately. Some insurers allow you to 'buy' the salvage rights and keep the car . If the offer price is insultingly low it could also mean you can 'buy' the salvage rights to your own car at a bargain price. The car will have an insurance write off category marker which will affect its subsequent resale value, but this becomes less important as the car gets older.
Some older cars are written off as beyond economic repair for really quite minor things such as broken light fittings, a crumpled wing etc ,dented door etc which could be repaired at much lower cost in a small bodyshop, maybe using some used parts etc. Many folk make a good income repairing such damaged repairables.