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Do you have anyone who can advise you on the condition of your totaled car? The extent of the repairs needed?
I'd be very careful of this. Your car will have a carfax report on it that states it was totaled and that will (of course) drastically impact its value if you decide to sell it.
This is a question that is difficult to answer here because we don't know the extent of the damages, etc. I just can't see pouring a lot of repair money into a totaled car with 196K miles...unless I'm misreading your situation.
Do you belong to a credit union? If so, I would sit down across the desk from someone with a copy of your credit reports in hand and ask them what you may qualify for. If you get cash out from the insurance company that could be used for a down payment, I hate to see you put that money back into your old car.