[Perfectlap]

Cash is king. If you've got that in hand all manner of deals are possible. Maybe that will be your next chapter. The art of deal making.

p.s.
regarding your insurance, you must lawyer up if they total the car. My buddy had to do the same recently. Even His own adjuster was trying to get him to forgoe loss in residual value just so he'd have less paper work. An accidental that was entirely the fault of the other driver who decided to drive in reverse down a one way street just to save himself a drive around the block. I would never deal with an insurance company by myself for a large claim.