Planning

Well, we have a plan. Sort of.

If the insurance guys say the van can be repaired, then that's that.
If they want to total it, we'll find out if we can take a reduced payment and get the van back from them.
If we can, we'll find out what it would cost to repair it.
If the price is acceptable, we'll take the reduced payment, have it repaired, keep it for a year or so, and then replace it.
If we can't, or it isn't, then we'll go shopping for a replacement now.

I like having a plan.