So.  I had my appointment with the adjuster.  His estimate is $6780 to repair the car, and I'm pretty sure that's about $280 over the insurer's 'write it off' limit.

After some argument, I managed to get them to send it off for a 'repair cost' estimate, where they send it to the body shop, they do a quick look at it, and if they can repair it for less than the estimate (using used/aftermarket parts, but still guarranteed) then they'll repair it.   Also, the previous damage (hit and run) might also affect all this.

I'm kind of hoping they *do* decide to repair it.  Even with all the extra money this is costing me, I'd rather end up with being paid off on everything (except my house) by April-June, and not have to suck down *another* car loan, even if it's going to be for a newer car with better gas milage/nicer stuff/etc.


*sigh*

Here's hoping I hear back from them soonish. 


Update:  They called, and the 'limit' for the total repairs from *both* claims, the front-impact and the hit-n-run, is $9200.  As it stands, the expected cost is about $8500.  What this means is, I have to wait for the autobody shop to do a 'tear down estimate' on the front-end damage to find out if they total-loss it.  Yay, more waiting.