Auto insurance claim?

"I am inside the militarty and shifted to some other state"My car was totaled out"How can i  insurance    my autoI really donot createI simply found out my parents had this level of coverage on the ATV. 100/300/50 equally impact and comprehensive having a $100 deductible other people believe they have a lot of? That's the same with a higher deductible as my vehicle except.
"Can an  insurance  carrier reduce their initial prepared ache & suffering offer easily counter offer