There is no way in hell I would trade the truck in your gallery for a wrecked 03 Lightning. You'd have to be nuts. It doesn't matter how good the work is, it will never be just like new. It might be close, but it won't get there.

Insurance law varies from state to state. Here they can't total it unless the damage exceeds X% of the vehicle's value; I think it's 80% but I'm not sure. That's what I based the $20k figure on earlier. It's very true that some vehicles get totaled for very little damage. Sometimes the insurance company just doesn't want to continue providing insurance on a car when they can make more selling you full coverage on your new one.