The insurance company will pay the estimate from the shop, so go to an EXPENSIVE ass shop affiliated with a dealer. They'll pay for the parts and labor, so if you can score a used back bumper, that will save a couple hundred right there.

A used wheel will probably net you another $200 that you can either keep if they cut you a check directly, or if they pay the body shop directly, use towards shaving stuff, repainting other things, etc.

You can also score a 98+ bumper out of it at least.