Thanks everyone for your condolences and advice. Definitely sounds like it'll come down to what we find underneath the covering...being that I've made it to 28 years old and doing this for the first time, I'm definitely lucky. I'm researching best tactics for negotiating with insurance on repayment, whether it's totaled or just to compensate for the obvious depreciation this will bring to the car when I eventually sell/trade it. More input is welcome, I'll take all I can get before Thursday!
