"By the way, why is this not in the Car Talk forum?" - no idea, I wouldnt mind it moved
"It wasn't cheap but insurance was covered."
How much was it?
"I would double-check the fine print on your Visa for the insurance coverage."
IIRC 3 months was the max.
Its a dilemma between buying a "new" used car and keeping it for a few years or renting, which I understand maybe more expensive but with no repair bills and it can be all written off at the end of year (I am self employed)