Ian,
really sorry to hear about the car and really glad your wife is OK. I know all the panels etc are not cheap, my front bumper cost £1200 to replace and I am currently waiting 5 weeks for a rear bumper to arrive from the nearest place the US ! Cats are £850 each, I suspect that when you start adding everything up it will amount to quite a bit, and you are after me in the queue for a rear bumper ! With a car I had years ago I did negotiate with the insurance company, but my thoughts are if it is written off, get another one !

I'm really glad there was no injuries but must have been a bit of a shock.