Sorry to hear, when the insurance company totals out your X, you would have to use that $$$ to pay your loan, depends if you got additional loan insurance, you might have to pay what ever the insurance company doesn't give you. They will only give you close to blue book value (-) your...
Oil companies don't obey the laws of supply and demand. Supply goes down, Demand goes up, Prices goes up; Supply goes up, Demands goes down, Prices goes up.
If everyone drives one of those things, what ever you pay now for 235 miles to a gallon, you'd pay then. There is no winning.
Only way you can measure reliability is with time, I don't think they will wait that long to see the results, probably change their marketing scheme back to the cheap and un-reliable type cars again.