What happens if my car value is less than the repair due to accident?

No. Insurance is never allowed to pay more than the car value. If the total cost for all the repairs is more than the value of the car, then the insurance is not allowed to pay for any of the repairs. The only thing that they can do is to total the car and then either (a) pay only the car value and take the car, or (b) pay the car value minus the salvage value and let you keep the car.

Unlikely they will repair it. It's called being "totaled". The insurance adjuster will decide what your car is worth, and pay you that. they will keep your car. it is sometimes possible to negotiate a higher payment than the first one offered by the insurance company, but you will need reasons why you think you should be paid more.

Of course not, If the book value of your car is $2,200 and the repairs cost more than $2,200 then you will only get $2,200. It doesn't matter if your car is a Honda or a Lambo you will never get more than the book value of your car.

No, they won't repair a vehicle if the repair cost exceeds the value. They will declare it a total loss.

You get paid the book value, the insurance company takes the car and auctions it off.

Yovicu had a 2009 Civic. Time to start looking for a replacement

Put simply, if YOU was presented with a bill for $2,900 and your vehicle is worth only $2,000.would you pay? That is the same with insurance, they will total your car and pay your fair market value.

Wow, that's a shame. That car would have lasted another 100,000. Have your insurance handle it. They may want to total it out.

My friend had that same issue so the insurance ended up just buying her a new car

You get the value of the blue book.