Sorry to hear about your loss. I can sympathize as my beloved 940 was rear-ended by an SUV last August and ended up looking a lot like Knud.
I can tell you this about my experience:
My insurance company paid top dollar--more than I could ever have sold my 940 for--since the leather, paint, tires, dash, carpets, etc. were primo. But the approx. 7K I received did not cover the cost of an in kind replacement. I'd been planning to keep my 940 for several more years since it had been superbly maintained and had only 117K miles on it (I'd had it eight years), however, that wasn't possible.
I, too, considered a Toyota, but they didn't cheer me a bit. I love European cars and wanted something as nice as my 940. I put in an order with a fellow who frequents auctions, but miraculously, I found my "new" car at the dealer's where I'd bought the old one. No, I didn't get a bargain--they budged very little on the price for Guinevere, who'd been brought to the lot that very morning. She had all her maintenance records.
I decided on her because inside and out she looked like she'd come off the showroom floor. Leather, dash, carpets, paint, dash, everything perfect. The cleanest engine I ever saw, 37K original miles, immaculate trunk with full-size spare, premium sound radio/CD/cassette, winter package, great AC, sunroof, 4 airbags. In short, loaded and everything worked. (Oh, I had to have the wire to the driver's side seat heater reworked and I had a new timing belt put on and a tranny flush).
Just took her to Eastern Arizona and back. She burned no oil, averaged 25 mpg and was the most comfortable car I've ever traveled in.
Pay the money and get a good 850. It'll be worth it in the long run.
Suzanne
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