We had our i3 totalled a few years ago. Insurance company guy was transparent and said he'd gone to our version of Craigslist here in Norway, found i3's of same age and similar milage, and took the average.
As such I could definitely buy a replacement with the payout.
While I'd much rather be without the experience, I was almost pleasantly surprised by the insurance company.
That’s what progressive did when our older car was totaled by hail.
It wasn’t just Craigslist but it was some similar ones available- and averaged. They’d go buy one for us, or give us the cash, or (what we did) is give us back the car and most of the cash.
As such I could definitely buy a replacement with the payout.
While I'd much rather be without the experience, I was almost pleasantly surprised by the insurance company.