Resolved Question: will my insurance total my car?

Resolved Question: will my insurance total my car?
i currently have a blown head gasket in my car, i have progressive insurance. i have only liability, but the highest amt. in all the categories, Just no comprehensive. i called them and they told me i have to take care of the head gasket out of pocket because it is a maintenance issue. but i asked her if my motor was to blow if they would consider my car totaled, and give me the value of my car as if i had a wreck. she didn't really have an answer, she said a blown motor might fall under the maintenance category, but she wasn't sure how they would handle it. what do you all think? i really don't have the money to pay for a new head gasket, and im not planning on intentionally blowing my motor or anything stupid like that, but if it were to happen would i get my little check from the insurance company
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