What is 20% of retail on a 2017 C in dollars? What is the expected total you (or they) could get parting it out?
They will get way more money selling it back to you. Actually it would go to some junkyard where that owner would have to get more from it somehow than what he paid the insurance co for it. The junkyard would have to get it almost for free.
The insurance co wins big if they can get 20% of retail for it. Can you pay that, fix it up at some cost and sell it for more than you have in it now? Could anybody?
Run away!