I has my Opal Cadet was totaled by a cow on a country road many years ago. I came over a blind curve on a downhill and slammed into Bossy at about 50 miles and hour.
The owner of the cow later tried to sue me for hitting the cow that had to be destroyed and refused to compensate me for my damages even though her fence was down and it was not a free range area.
She lost the suit but I never got more than market value for my car from MY insurance company.
Were you due more than that?