Oh boy all those bad feelings coming back again...
As someone who has totaled not one but two Vipers, I have the market cornered. I feel your pain!
The first one was a 2000 ACR within the first year. I was playing on my cell and I looked up and all of a sudden the freeway came to a stop but I didn't...(no anti-lock). The damage didn't seem that bad...I was able to drive AWAY!!! So I wasn't even thinking Total loss. The guy who I hit had 4K worth of damage to his rear end, that's all. But when I received the estimate from my insurance at over 60K, I just about burst into tears! Just the hood was 20K! I had about 20K in Stereo, Exhaust, and brake mods ect,ect... And the worst part, I paid 83K for the car less than a year earlier. They cut me a check for a little less that 70K stating that they couldn't be sure of any engine damage, and didn't want to take a chance if there was any. However, my insurance agent was cool and did offer to let me put everything back to stock before he came out to view the car.
I never thought I'd buy another Viper after that, but one day about 7 mos later on Ebay... I saw it... VENOM 600, crap!, it was over. 2 days later I was driving back to California with it. And 11 days later it too was in pieces all over the streets of LA... AGAIN. (See thread)
http://vca2.viperclub.org/forums/showflat.php?Cat=&Board=UBB14&Number=608390&Forum=All_Forums&Words=&Match=Entire%20Phrase&Searchpage=0&Limit=25&Old=6months&Main=608390&Search=true#Post608390
This time I didn't care, I was not going to loose another one, and this time a totally tricked out Venom! So I collected the check from my insurance, and since it was only 11 days old they did reimburse me the full price that I paid for the car. I went down to my Viper tec and asked him what could we do? He said either junk it or rebuild it. So we went through what was to be done on a rebuild and I decided to do it. I was in very good hands seeing that he did all the mods on my first, so there was a lot of trust there already. Almost a year and a half later all was back to making sense in my world. And the car runs great!
I hope you don't get too discouraged, I've been through it twice, if I can be of any help just ask.