Gale... Didn't know you got in a wreck... I did as well (sort of) with my Focus RS. Big tree limb fell on it in the driveway and smashed in the roof. I was able to drive it to the bump shop a friend operates on the other side of town. He estimated the total repair (replace the entire roof panel plus the windshield and hood and repaint it came to very close what the car was worth) insurance wise and the insurance company wanted to total it to which I said no. One, it runs perfectly, two, gets 40 mpg and three, they are no longer made and 4, what I'd get on a total at today's inflated car prices would leave me buying a new buggy plus a car payment and I don't want a car payment, so, being the fact we know each other, he 'adjusted' the total cost to where the insurance company would cover the total repairs and he even worked it so it included my deductible. I got my buggy back completely repaired and no out of pocket (deductible) cost either. Not a bad deal and it pays to know the right people. I was able to find a salvage hood within driving distance at a Detroit bone yard in pristine condition for a heck of a price so my wife and I took the Burb up there to the hood and bought the hood and took it back to him and he installed and painted it. That brought the cost down to just below the total price. The hood alone was over a grand new but I got it for 200 bucks and like I said, pristine condition, all it needed was a repaint because it was the wrong color.
Was without my buggy for 2 weeks. Not bad.
No way I'd even consider a new buggy at today's inflated prices or a vehicle payment. I paid cash when I bought it off lease and I don't want a vehicle payment, nor do I ever want to finance a finance company.