same thing happened to my car when i rearended someone. instead of letting the insurance company take it, we bought it back from them through salvage retention and repaired it with a little money to spare. i wouldn't advise this if the frame is bent, but mine was fine and the airbags didn't even go off. the only bad thing is that it now has a re-built title and prolly will be worth crap if i wreck it again or want to sell it.