re: wife's car was struck by another...am afraid her vehicle will be totaled, which

Mu uncle bought a Toyota truck in the mid 80s. Drives it every day. During Katrina, a tree fell the back of it, caused some fender damage and messed up the tailgate. They totaled it out and I want to say offered him something like $800 bucks for it (it was almost 20 years old at the time).

He negotiated (not sure of the exact specifics) but ended up getting a smaller amount, but got to keep the vehicle, with a salvage title. He can't carry comp or collision on it anymore because of the salvage title, but he can carry liability. He got the tailgate fixed and declined to fix the fender damage (it wasn't much).

To this day, he still drives that truck every day. I think the only original parts are the body... but he estimates he's driven it 340K miles (the odometer stopped workings at about 260K which was about 7 years ago.