I am sorry to say that I feel your pain!!! I hit ice here in Colorado that slid me off the road into a tree yesterday. The damage looks to be comparable to yours but I hit on the front passenger side. Surprisingly the airbag did not deploy but I was only going 30-40 mph. I must agree do not trust stock tires. I am hoping my damage is not as severe though, if my XF is totaled I may be heartbroken.