Very cool that worked out. And now you (and we) know a little bit more about how insurance works.
I'll tell the story but there is a specific point that might help some older subaru owners too.
Someone ran into my 1988 XT6 last year. As you know, a more worthless car than a sweet hatch - particularly in the rust belt where 90's Subaru's are frowned upon - they get dated so much quicker because the cars disappear and perception goes with it (particularly oddball XT's). I had the fortune that they were at fault, but I was just wanting my car fixed, no attorney, no other claims.
I told the adjuster I had driven these for the past 20 years, had this one shipped from California to have a rust free car, done all the major maintenance things to make it a reliable daily driver and work car, custom differential, MWE axles, lift, new clutch, snow tires, fluids, belts, etc. And that it was much more valuable to me than to anyone else - I'd rather keep it and repair it and getting another XT up to this level would be quite a bit of effort.
The damage wasn't terrible and I told him I'd be fixing it and rather keep it without salvage and re-title, reinspection - which I've done before but didn't want to here, it wasn't really needed. He added a bunch of stuff and quickly got to the totaling mark. Then he started asking me questions and....i forget the terms he used...but he added on all additional financial considerations that didn't effect the value that's assessed to declare it totaled. Like a rental car (though I never got one) - and some kind of other terms that somehow involved the body/paint/valuation or something but didn't go into the value they use for totaling for some reason - I didn't quite understand it. I just remember him pointing out and marking some things and saying - he could do this and that and it won't affect that first repair estimate that was just below the total value.
The point is - he had some flexibility to stop the estimate before totaling it and add some additional fat on top to help an oddball old car that doesn't have any value - except to me.