Suspension is easy to fix. Take the wheel off and look for bent/broken components. Only a the insurance company can deem your car totaled. If they do get the money buy it back fix it and use the rest to do whatever you wish. If they don't then fix the car. Simple.
I've been in your situation, it sucks. However you CAN turn this into your advantage. Don't make any desicions right away and have someone you can talk to that's not biased. A lot of
people with body kits/front ends get them from insurance.
Jed <img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/devil.gif" border="0" valign="absmiddle" alt=':devil:'>