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the real factor is.... will it cost more to repair than replace? both doors, rear fender... i'm assuming the front is OK. the rear drive shaft might be unaffected. they might repair it. hope their insurance is good - five days is a long time to wait for an adjuster. it doesn't sound like they'll try to steer you to a cheap place that'll give shoddy repairs.

find a few comparable cars in your area to replace what you have... my last insurance was really fair and gave me slightly above market value due to relatively low mileage. it was enough to start financing on another decent car (2011 accord coupe) with low monthly payments.
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