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The insurance company should offer a slightly lesser payout and let you keep the car, too. If you are a DIYer you can replace the body panels yourself, maybe even get them in the same color so you don't have to paint. A shop should be willing to do this, too. Suspension work and straightening the frame you may need to have a shop do. Certainly it is salvageable unless the frame is really damaged badly.
Good Luck. Post a pic or two.
(And don't ask me how I know!)
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