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17k seems low, when I'm seeing used M/T models going for 20 with similar miles. Still, 75% of 17k is $12,750, so if your estimate is correct it's still too low for them to total it out unfortunately. Splitting hairs at that point, though.
Have you called your insurance company and spoken with them about the additional costs and everything and found out what's going on? Do you know how much they actually value the car? Those might be important when finding out what the issue is.
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