don't worry if they total it... i know it seems like the worst thing when you hear that, but, hey, you know, you'll end up with some cash which will make a good down payment on a new(er) car. mikayla's car was totalled, and she loved that thing, even though it was an old 1991 with 160k+ miles on it. but, we went out and got her a new(er) civic, 1998, with 70k on it or so, and it's an LX model, with the power windows and cd player and sunroof and stuff. she loves it! plus, her payments are only like $15 more than when she got her old civic. so, you know what i'm saying: chin up!