Auto insurance claim?

"I am shifted to some other state and in the militarty"Our car was totaled out"How to  insurance  my carI actually donot makeI recently found out my parents had this amount of  insurance   on the ATV. 100/300/50 equally extensive and accident having a $100 deductible anyone else feel they have too much? That is the same with a higher deductible as my automobile except.
"If I counter-offer could an  insurance   company lessen their preliminary published discomfort & suffering offer