Honestly, if the payout for your car is fair value, just take the money unless it’s something particularly desirable. A Mazda 3/Ford focus/povo pack ba falcon is not. Just get the offer, have a look and decide if it’s worth it. If you can’t buy an equivalent or slightly better car, put your foot.down (e.g. if it’s a shitbox, you may not be able to afford another car)

Any more details for us with what’s happened and what it is?