Randal at the car

Hello everyone! It’s already embarrassing to me that I have to write this in, but I ran in the suff with a friend at the car and now it’s called economic total damage! The reperature would cost about 350€ – 450€. But the car had before that only a value of 250€! Now comes my question: How much do I have to pay this? I was told that I only have to pay the 250€, because it does not make an insurance any different. And it is a bad time! ahsinn a car that has only a value of 250€ for 350€ or 450€ to repair. Or? Thank you for your help