I had a car once that was totalled from hail. It still ran good and other than cosmetic damage it was good. You can buy it back at salvage cost. That way you will get your check for the damage, and give a portion of it back for a salvage title.

It sounds like you have good insurance too. Hopefully they will be good to you. Remember - they make offers (not set prices) you can negotiate with them. Good luck to you, and thakfully it was only material things.