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Should I accept the insurance or keep the "totaled" car?
Hello, I was recently hit by a car who slid into me during the ice storms. My 1997 Toyota 4Runner (280,000 miles) still runs perfectly fine, but the two left doors won't open and are smashed in. The car is extremely well taken care of and has never had any major mechanical problems, stalls, major replacements (other than last month paying $500 to replace a stolen catalytic converter), or anything of that nature. It's a great car.
The insurance company of the guy who hit me consider the car totaled because the price of the repairs exceeds the value of the car. They offered $5,700 if I give them the car and $3,500 if if I keep it. My question is, is it worth buying a used $6,000 car that I don't know will be reliable and might end up costing way more than $6,000 in the end, or keep a (thus far) very reliable car with 280,000 mi whose doors won't open (and I won't be able to repair), and keep the $3,500 for future car maintenance.
Any advice would be appreciated! Thanks.