Why not make the claim, take the cash, spend it on aftermarket parts (ie:jdm headlights/corners) or get all the parts from a junkyard, then take it to a shop, have them fix the bent radiator support, and have them paint it? You could save a ton of money, and might come out ahead. Hell, I already told you I'd sell you an AC compressor. I'd let it go for like 20 plus shipping...

The only problem is if they got in there and discovered more problems than in the estimate, and those would just be charged to the insurance if they took care of the claim, and not you...