Ok, here's the Insurance update:
The Appraiser was totally independent & actually did a lot of research.
He found a Radiator Support for $150, but 15 hours to replace it; the labor is the most expense for everything!
He valued it ~$4100, ~$4400 with taxes, fees, etc. & said it would cost $4100 for a shop to fix it,
so the fixing cost is the same as the appraised value.
So, I called the Ins Rep, she was great & works at home. She said 2 scenarios:
Scenario #1: If I don't want the car, they would give me a check for $3100 (to $3400?) & the car would go to the Salvage Yard.
Scenario #2: If I want the car, they would subtract what the Salvage would be (~$500), subtract the $1000 Deductible & write me a check for the rest, about $2600-$2900. No more coverage of Comp or Collision on this car. Me & my Neighbor would probably fix the car.
Keep in mind it's RARE, got new Tires, new Struts, new Brakes, etc.
What would you (honestly) do??