Wow man that really sucks. Sorry to hear. Not sure how to advise you on what to do, but I would definitely let them have the car. Negotiate that you want the load paid in full though instead of the $15479 they wanted to give you. Also, tell them you need a rental car in the meantime because you need transportation...
I think that's fair. Looking at the car, I'd say you're looking at at least $10k in damages. The money they give you will probably just barely pay for the fix, and you'll still have the loan to pay. And you'll have a salvage car, worth MUCH less... Not worth it in my opinion...
Plenty of ZHPs out there...
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