Stilleto, You do not have to accept the Neon.. I was struck at a stoplight in March and the guy totalled my 07 Cadillac Deville with 3200 miles on it..his insurance company wanted to put me in a Hyundai. I went thru my insurance company and went into a new Deville like the one I had.. the end result was AAA insurance out of Texas paid for it.. They try and bully you until you no.. I will never go thru anothers insurance company again... Always have your insurance company replace your investment and subrogate against the other company.. This way you will not be out any money..