I second that...I had a '92 Chevy Lumina Van that I paid $1,300 for. Some guy ran his truck into the back of it going 45mph on the freeway. Needless to say, it was totaled by the other driver's insurance company (I was impressed however, as the only major damage was a bent rear axle, the GM "space-frame and fiberglass" body took the impact VERY, VERY well. The Chevrolet headrests didn't do as good a job for me, unfortunately). To make a long story short, with some negotiation and waiting, they paid out $2,500 just for the '92 van which had 160,000 miles! My advice is this: Go buy your new car, get it financed (make sure there's NO penalty for early payoff), and then work with the insurance to get a figure that is closer to what you valued your old 850 at. Financing your new car now will keep you from making decisions out of desperation.
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'94 854 N/A.