So ... dealer or insurance pays for the wreck. Dealer offers up a replacement value "credit" towards the new 2013. OP takes the deal and pays the difference. OP gets a new, one owner car and is in the hole $5k-6k. Can't argue with that.
Am I understanding that correctly? LoL ...
In any case ... kudo's to the vendors in this thread and grats to the Hooper's. Was definitely an interesting thread to follow!! Now what am I going to read up on during the day at work .....