Ebony's Pearls

First I'm glad that you both seem to be OK and my prayers and good energy that that remains the case. As to your car, if they total it (but you still find it drivable) you could still keep it. My impression is that you can't get anything more than liability insurance at that point. I don't know the details, but I do know that you don't just have to let them pay you some pittance for your car leaving you needing a new ride that will cost you much more.