I got to agree, to many people in the insurance industry are just bean counters these days, as are too many specalist cars owners!!(IMO) anyway, stop fannying about, get the plastics off it, get your panel beating hammers out, a few bits of wood, maybe a small bottle jack may be handy. A few tacks of weld wire and a drag hammer, then a minimal amount of filler, splash of paint, new light(and probably bumper, though you could leave that till funds allllow), and Job Done! Easy do it over a weekend!
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Easy to do it over a weekend? Yeah if you have the knowledge/skills and the correct tools and facilities to do it! Not something the average diy'er will make half a job of!