2016 Eco Two - Totaled?

I tapped a deer, very light front end damage but it caused every airbag to deploy.
160k miles, immaculately maintained - I have every reason to believe it has another 100k+ miles left in it.
Car is paid off, but insurance is liability only.

What Would You Do? Suggestions?

 

To what degree would you fix it? What is the max amount of $ would you put into repairs in order to take advantage of the remaining 100k of usability?

 

Heat exchanger has not been replaced - I assume this must be a rather expensive item that I should expect to be replacing soon?

Im also wondering what the community thinks of the airbag replacement process... Are these incredibly difficult to swap out? I do have a friend that is ACE certified and willing to help, but he deals primarily in regular mechanical/maintenence issues, not necessarily total vehicle repair.

Is it possible/smart to just run it without airbags?

What are the main issues, other than heat exchanger, that I should be asking myself prior to making this decision?

Any and all help is appreciated... This insurance debacle has me in pretty dire straights at the moment.

 

Interesting approach, but I would imagine the donation value to be unable to offset the financial burden of replacement, even if replacement only involved a few thousand.

 

It's a real shitty story, but I actually DID have full coverage. My insurance carrier is denying my claim because after I payed my monthly bill over the phone ($130/m full coverage policy) I asked for a quote on what a liability only policy would cost for a month and was told that would be about $40 a month. No authorization was given whatsoever to change my policy nor was it communicated to me that any change was going to be made to my policy - a liability policy was only discussed as a quote. However they changed my policy to liability only immediately after that call having already taken $130 of my money. I hadn't gotten any notification whatsoever in any way shape or form from them indicating this change until 6 days later when in the car is totaled after I hit that deer and called in my claim. I filed a complaint and I'm going to probably have to take them to court to get them to honor them the policy that I paid for. I'll be talking to a lawyer which is sad to say.

 

That’s just it, they have no recording. They’re basing their entire claim on some note that was placed in whatever system they use. Apparently, it has a date and time Stamp accompanying the note, but this is still a load of BS. I do feel a little twinge in my neck all of a sudden though….