My insurance determined that the police officer was at fault since he had the red light and was driving too fast for conditions. So, I've gotten a couple estimates so far and both are easily more than the Blue Book value of the car(total loss). I have heard that the city will sometimes just cut you a check instead of going through their insurance. They've given me a form to fill out asking for the dollar amount of damages I am seeking. I would like to do whatever I can to encourage them to just cut me the check. So, with that in mind, should I give them the repair estimate value or the Blue Book value of the car(since it is a total loss)?