Well, the good news is, talked to progressive today and they are going to repair it. They were within 700 dollars of declaring it a total loss. Will wait to hear more, but it sounds like they are going to go ahead and order parts and get started.
We actually went ahead and called about a different car. The dealer was trying, but it would have put us 200 a month more than the current payment. They actually had approval for a 10% interest rate. Which kind of surprised me. However, not going to be slave to a car payment. So I guess the focus will be around for a while. After I pay off, maybe I'll trade. On the other hand, if all I'd get was 1000 or 1500, maybe I'll just keep the focus as a miles car and just run it back and forth to work until the wheels fall off, and get a nicer car for weekends.