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lady from canada ran stop sign and got my car bad

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on dec.27,2000 a lady from canada ran a stop sign and squished the front of my car to the tune of $2200.00 but since it was a old car they totaled it. and finally 2 wks ago they offered me 2600.00. some company here in florida came and looked at my car and thats how the canada ins. company came up with the price. they say they mailed the check to the company down here 2 wks ago but still nothing. my question is since they totaled my car don't i get a chance to buy it back for a specfied amount.. i had just paid alot to fix everything in that car and cant get another for the same price.. and why would they pay me more for the car damage and want my car totaled...?????

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