obviously, i havent seen pics of how bad the damage it, but they may just end up either fixing it or giving you enough to be able to fix it without spending too much of your own money, espically if they go by market value instead of blue book (something you should tell the appraisors). mine was just totaled this week, they originally wanted to give me 3200 for the car (before they took some off for hail and the salvage), but after sending in some receipts and showing that similar cars around here are going for much more than that, i was able to get them to give me close to 3900 (last i heard they estimated about 3800 in damage), and after buying it back theyre sending a check for 3653 (and i bought it for 3500).
sucks to hear about the car though, hopefully things will work out for ya.