Hi, I dont think the insurance will alow you to buy the car back without looseing a lot of money, garages usualy buy the car whilst they are talking to the insurance assessor, something very strange goes on, you would see the same car back on the road withing a fortnight, I recently smashed the front end of my focus, new front end, air bags and hood with 1 new wing, total cost was approx £450.0 which included all the little bits and pieces. I am no expert on vehicles, the knowledge was gained by looking and asking on this and other sites, then going to small garages to complete the likes of painting ect, now it's back on the road and looks fine, bite the bullet and have a go at rebuilding it your self, you can mention to the insurance that you are taking it for another opinion. best of luck. lets know how you get on. Ken