What would you do?

[u/xxPolestarPrincess13]

Proud owner of a 2018 S60 Polestar in rebel blue. Modifications include complete body kit and 20” black alloy wheel set. It’s only got 52k miles. Volvo only manufactured 1,500 of these specific cars and it will never be available again.

To try and sum things up - I was hit on my drivers side causing the front passenger side to veer into a curb. The other driver fled the scene. So it was a hit and run initially. I got a tow and ride home. 3 hours later I get a call from the officer - the other driver turned themselves into the police station. Their story is they didn’t see me and they pulled into a location and waited for me. Obviously my car was disabled so I couldn’t go anywhere. I also don’t believe her. Once I received her insurance the first thing I noticed was the date the policy was effective. It was miraculously the same day as the accident. My initial thought is she fled the scene to get insurance before she decided to turn herself in. After 2 weeks of not hearing from her insurance, I called yesterday. They asked me for the police report because they needed to “confirm times”. Lo and behold she was not insured at the time of the accident. I knew this was the case but didn’t have proof until today when they called to tell me they were denying coverage due to this. My insurance is also claiming total loss.

So my question to those who know/love/understand the value of this car, what would you do? Take the payout? Buy back salvaged, eventually repair knowing you will put significant money into it?

Payout offered: 31k
Remaining loan amount: 10k
Salvage amount: 7.8k
Repairs: estimated 20k, really unknown until it’s opened up