Sucks, but can be a blessing sometimes.
I have an '01 VW Jetta as a daily driver (big enough fuel economy increase that it pays for itself to have), and I just got in an accident with it about 2 weeks ago. It only needs a bumper, hood and grille, but due to the high mileage and age, it's probably getting totaled.
Good luck on your search for a new ride! Go 1st gen/4Cyl IMO.