[reldridge]

The big selling point to keeping the Focus to me is that you know everything about the car. If you buy another used beater, you are probably buying somebody else's problems. With minimal effort and money, you should be able to get it back up to daily driver status pretty easily, since basically it's a rip-out and replace of the interior bits.

Also, how much are they giving you for it in insurance money, and how much will you be able to buy it back for? There might be enough of a difference to fix it, and put a half decent stereo back in it.