Hey OldDatsunman,
Have a look down along the side panels above the rear wheels (wheel arch area).
If the body shape is undamaged there, no protruding distortion, then the damage should be fairly easily repaired as it is local to the rear.
Dig your heels in against the insurance co., it is your car not theres, they will only be interested in the cheapest solution not the best solution.
If you can't avoid a total loss situation then insist on a cash settlement and retain the car.
Don't let them take the car and make you buy back.
