What is considered a "total loss" in Texas?

I have a 1996 Ford Explorer XLT V8 that was hit by someone. The other parties insurance estimate is about $3500 in damages and is going to be declared a total loss. I just want to find out what a fair settlement is. My car even though it was old was in good condition and loaded with leather seats.

Does auto insurance rates go up with an instruction permit in texas?

I suggest you locate a local car insurance agent to assist you. Since I live in Vermont I can't suggest an agent in Texas, but here is an website that can help you. http://www.goodinternetdeals.com/Auto-In…