She called her insurance company and let them know about the accident. The vehicle was towed to a local collision repair company and she is waiting for her insurance claims adjuster to get back to her with what needs to be done to fix or replace her vehicle.
The claims adjuster inspected the vehicle and has let her know that the vehicle is a "total loss". A total loss refers to a situation wherein the repairs to a vehicle would cost more than the actual cash value of the vehicle at the time of the loss.
Insurance companies are looking to reduce the cost of the insurance payout and use vehicle valuation reports supplied by companies that work with them in the insurance settlement process. Allison is not required to accept the vehicle valuation that these reports give in the settlement offer.
She did not trust the vehicle value that the insurance adjuster presented to her. She decided to get her own 3rd party report with Canadian Black Book endorsement, vehicle value and multiple similar vehicle comparables. Her valuation came back higher and she let her insurance company know that should wanted to negotiate the settlement or she would submit an appeal under the Insurance Act (https://www.ontario.ca/laws/statute/90i08#BK117)
Alison is able to present her Total Loss Report vehicle value and additional research to her claims adjuster and then negotiate a higher settlement value.