I just got into somewhat of a similar accident 2 months ago, I ran into a car head on, however it was ruled the other drivers fault, so his insurance ( AIG/Chartis) paid for the reparis, however those guys sucked for a lot of reasons. 1) they only paid enough money for crappy after market parts, so lots of gaps and doesn't fit right, and now I'm not sure what to do....and they didn't pay the shop to replace my OEM fog lamps...good luck with the repairs, and could you tell me if you can get the insurance to pay for OEM parts. I'm gonna fight my claim, it is not over yet.