Crash

well around here (cos and denver) those gj cherokees are dime a dozen on craigslist and really very cheap in good shape with blown engines (people like to run them out of oil) and can be had for 800 to 1500 for most.i dont know how it is in your area but they are on craigslist all the time here. point being if your insurance company isnt going to hook you up, pull the engine and trans and other goodies, scrap it out and buy yourself a nice one with a bad engine and swap it out (if youre that motivated)as most people just want them out of their yards. they really are easy to work on and ive swapped out those 4.0's in a day by myself . just a suggestion