When my 2015 Honda Civic was totaled in a rear-end collision just before Christmas 2019, State Farm gave me enough for it that I was able to purchase a used 2016 Civic by putting only $2k to the settlement. I was pretty happy with that, and am still enjoying driving that replacement car.If it's totaled, insurance will cover the amount it's worth. But the car I get will cost more, so I'll have to take out a loan depending on how much of a down payment I'd put in along with the money I get from insurance. I'd rather get a decent car that can last me a long time, rather than one I need to replace in a few years anyway. Especially if I have the extra money from insurance to go along with a down payment.
Also, if I do get a new car, I want something with all wheel drive. I've been eyeing some GMC Terrains today. I think they're my favorite "small SUV" style car.
Best of luck to you with your next vehicle.