our insurance covered our 05 Roadster limited after hit by a train. They gave us a fair price. We went out and bought another as close as we could to our 1st one. We had less than 2 yrs left to pay for the car. We added 1 more year of payments (3 yrs now)to our loan with a lower intrest rate. The 1 year extra payments, helped us, find another car, travel to the replacement car (16hours round trip by car), drove it home, and buy a set of 4 "true" winter tires (blizzaks)and rims to mount them on. It was not to bad, just a lot of stress trying to get back to the before it all happened.
Plus side now.....met lots of good people here, and our "twin" crossfire now has new winter tires, and cool looking summer rims. Oh yeah, our new baby has about 13,000 less miles on the OD.

Maybe something along that could work for you??
No reason to keep it, if it's that bad.
Only concern I guess I would have is.
Will the car go to a scrap yard and get parted out for good usable parts, or a squash box right away? With the rarity of our cars, I'd hate to see it cubified. I feel real bad that our 1st XF had nothing savagable.