Chris,
I'm really sorry to hear your bad luck. Glad you are OK.
On insurance. If you haven't got guaranteed or agreed value insurance then you are going to be hit. On MO Esurance original quote was low but when I asked them if I had an accident what would they pay, they told me R20k for her. I bought her originally for R44k
I then took a policy increased the premium and agreed the value they would pay. I guess you are going to be offered next to nothing. It might be worth asking the lady to agree a value outside the insurance companies? Don't know if that happens here but does in the UK as the premiums go through the roof after a claim.
As for damage, the rear arch rubbing the wheel sounds bad. Structurally then are pretty strong but you might need a rear quarter panel to repair. As I mentioned when we met, you finding another shell and moving all the mechanics and interior across might be the best answer, especially now with crash damage.
Sorry Mate
