Re: You're really lucky!
My best luck was having my car totalled with 3 months left on the replacement warranty.
Car had just gone over the 100k kms manufacturer's warranty, needed a clutch, wheel bearings, ball joints and timing belt, all of which I had just scheduled to have done.
Lucky for me the replacement warranty was time based and not mileage based.
Saved myself a good couple of thousand dollars, and got a brand new car at no charge.
Even better? The accident was undeniably the other driver's fault as he ran a red light and hit me.