Hey man sorry to hear what happened. The wife and I had literally the exact same thing (down to a girl in a kia most likely texting and not even braking before smashing into us)happen to us in July. The worst part of ours was we bought the car 5 days before we were hit and it only had 450 miles on it! Needless to say I was pi**ed... Since our car had a receiver hitch on it, it took most of the force from the hit but she still messed up our bumper, lift gate, exhaust, etc. The insurance company decided to fix it so I filed a diminished value claim once I got the vehicle back. They low balled me at first and I told them I was going to speak with a diminished value expert in my area and get back to them. I talked with the expert and asked for an estimate of what they could get me if I let them handle the case. He told me about $5k and his fee was $500. I called the insurance adjuster and told him the expert told me he could get me $5500 but I would take $4500 and we could call it a day. He wrote me a check and life went on. Her insurance was allstate by the way. I wasn't happy about the situation but it is what it is at that point and you might as well get what you can.
It sounds like they may total it out if the frame is bent that bad which would solve some of your problems but if they do decide to fix it make sure you have it fixed at the shop of your choice and make sure to file a diminished value claim and get what you can out of them. There are experts in your area who will do it all for you for a fixed fee. Also, not sure how your neck,, beck etc feels but I would go see a doctor to be safe and possibly some chiropractor visits. All of these bills will be handled with the adjuster as a personal injury claim and likely they will pay you double what all of your doctor bills cost. I am not usually an advocate for suing, etc but when you get hit by some idiot who was texting, it makes you really want to take action (or it at least it did to me). Good luck man and let me know if you have any other random questions.
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