I don't how much you paid on your car and how much it worth now. Mostly insurance company would like to ride it off in stead of repaire if it will cost same or more. Also as long as your car was hit, it hurt the frame, maybe you still can dirve it but you put your on head on high way or next accident. Also you won't be as lucky as you drive a car which never been hit before. So if I am you, I will negotaite the value of the car and take the money. Forget the money you put the car.