Your insurance company has to give you first option to buy it back. Regardless of whether there is a lein on it or not. If they try to screw you like that just count your losses from the insurance and don't take the settlement. Hook up with us who have the spare parts laying around and fix it. I have a core support and a fender you can have for cost of shipping I'll give you a tower cut so you can have pleanty of metal to work with. 2Gb Bumper covers are getting more readily available. and I'm sure you can get headlights for less than 200. See if you can get someone to paint those parts up and help you weld the core support in. Throw your stock Radiator back in and see if you can't hook up with a decent condition FMIC from one of the boards. I'm not saying it's going to be easy but it's better than getting screwed by your insurance over something that is an accident. I'd say if you do the work yourself and get a hook up on the paint you could potentially have it fixed for under 1500-2k.
LMK if you want the coresupport and fender I'll do my best to get those to you as soon as I get home from Iraq in January.

-Kevin