Long story short: Loaned my 1997 Land Cruiser to a friend, who rear-ended a Volvo SUV in the heavy rains we had a few days ago. The front end of the Cruiser is smashed up, but frame, axle, radiator, and engine appear to be fine. Vehicle has 181,000 miles. Insurance company wants to total it. I am not very happy. Their payoff is $5600, and they salvage the vehicle. Or, if I keep it, they'll give me $3900 Should I try to get it fixed? Should I take the insurance pay-out? Should I take the partial payment and try to sell the poor old Cruiser as a parts vehicle? Any advice or suggestions would be very, very greatly appreciated!