total loss just means that it would cosst more to repair the car than the car is worth.
You can take the check and find someone to repair your car if you still want it.
It very well could have frame damage.
If you are not happy with what they think your car is worth, find some other cars same make model and year for sale and prove that your car is worth more. photos of your car in its original pristine shape help too.
A few years ago someone rearended my 1991 Honda civic. THey wanted to total it too.
I got my car fixed!!