Reread your post...I think I'm getting old. A 2004 is a relatively old car now, for some reason I was thinking of that as newish.
Depending on the model, obviously, if there is any frame damage to the vehile there is good possiblity that it is a write-off. In which case you will be given fair market value for the car. The difficulty here is now you have to take a risk by buying a new used vehicle. The one you had may have worked perfectly, but it's a crap shoot whether the one you buy will be in as good condition.
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