well i don't have comprehensive or collision insurance and just have liability. no other cars were involved and yes it was a post/pole accident. but in regards to the insurance they have no say in whether it is totaled or not because they don't care, it's not going to cost them anything anyways. i have been debating what i want to do with it and i'm actively seeking an e30 shell for a little project/race car. if i can find one in good shape besides the motor and other misc stuff, i will be parting out the e34 after i use the needed pieces from it.