ok, so i wrecked my truck and i have to pay for it out of pocket. i'm not sure what to do: before the wreck, it was worth about $12,000 it's a 2006 Toyota Tacoma Prerunner (I4, 2wd, access cab, 36,500 miles) now, so far i've gotten 1 estimate to fix it: $4300 now i don't have $4300 sitting around. i am getting another estimate of course, but what exactly should i do? just pay the money and fix it? fix it and then trade it in or sell it? trade it in like it is?