> When all else is said, that little fender bender that's not my fault 
> will
> probably total my "old twenty-five year old car" in the eyes of the 
> other's
> insurance company.

Unless you're in a no-fault state (maybe), you're under no
particular obligation to accept anything they say.  After all,
you don't have any kind of contract with them!  They have
to 'make you whole', in other words.  Just the usual court
thing.  Either fix it as good as it was before, or replace it
with something equally as good.  The devil's in the details,
of course.

-- Jim


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