Yeah got word from the insurance co yesterday that it is indeed totaled. I ended up coming out ok. They are giving me 1k over my loan payoff amount. The offer was within $500 of what I paid for the car, before trade in and online discount. I guess it couldn't have lost too much value in the 3 short months I had it. Right at 28k for a 2009 base I think is fair. Now, just to wait for the pain and suffering, which won't be determined until I'm finished with all of my PT.