Wow, your insurance is really giving you the run around.
I am through state farm. I called the cops when it happened and that was it with that. I let state farm agent know and then gave them 3 estimates. They looked over the car pretty quick. They wanted to total it, I said I wanted to keep it and that was it. I drove the car the whole time. It was always in my possession. Within a few days I received a check for like a few thousand and that was it. I picked a small shop out and told them just to fix a few things and pocketed the rest.
IDK if that's legal but thats what I did. It was my car I should be able to choose what I want to do with it.
Weirdest thing of all is that I bought it with a salvage title...idk how that works or how a car can be totaled out twice and then able to drive again...thats how i got the car cheap in the first place.