Update

As we suspected, the car was a total loss. Unfortunately, even though we were paying almost double what our car payment for the past year, we were still upside down in the car. Hard to imagine. We are now wondering if we paid way too much for the car. Insurance has yet to cut us a check...but they did call to let us know that we needed to go get a new car because we can only keep the rental through Sunday. Nice.

We went last night and leased a Toyota Prius. We were really hoping to get the package two (they range from one to five) which had a back up camera, stability control for roll over accidents, etc... but the payments were just too high. The dealer had a base model they were willing to negotiate on (I guess there isn't much room to negotiate, these cars are in pretty high demands because they get 50 miles to the gallon around town!) And we just decided that was the better bet since we are out financially in other ways due to the accident.

Our main objective was just to get something good on gas, which this is. There was a $50 a month difference in price between this car and the next model up....we just couldn't justify it.

Anyhow, we are taking care of switching the insurance. I'm sure it is going to be outrageous.
Hopefully soon this will all be over. What a nightmare.