dude... ouch.

that sux. I just hit a truck a few days ago myself, put a crease in my front drivers side fender. Good thing you were in a honda. Coulda been much worse if you were in a nissan or mitsubishi. Or... *cringe*... a geo metro egg-carton car.......

Anyways glad to hear yer ok.

And I DEFINATELY would not let the insurance screw me over half or less than half of what it would cost to fix. No way. I hope you can get proper compensation. Good luck.