On the insurance front, you may be able to do better. When my daughters' car got totaled, it was the usual battle. In the end she was reimbursed for a her car in excellent shape, recent long term maintainence, and associated taxes to replace. The question for the insurer is, if your offer is fair, where is that car? In most states you are entitled to retail, not wholesale. Also question the source for the value, blue book, NADA, etc. No fun but you can get a fair deal if you work at it.