[PokerintheI]

Based upon the admittedly generic description of the damage, and your estimate of value, the insurance company is going to total out the car. There is no way you are going to get a reputable company to repair all of that damage for less than 3-4K. However, as a prior poster stated, you should be insured for "replacement value"

That means the amount you get back should be the retail value less your deductable. NOT TRADE IN or PRIVATE PARTY value.

Keep in mind, the insurance adjusters will often try to lowball these values, and you can use the online valuation sites to dispute the value they try to give you. IE if they say $3500, but Edmunds says $4200 and KBB says $4500, you can make the case and get them to change it. I've seen this done succesfully.

At that point, if you want to buy it back from them, it usually costs 400-600$ and then you can try and piece it back together at a minimal cost just to drive it around.