Tony and David,
Where are you getting your info?!?! You're making this stuff up, right?
Insurance companies are just out to get you, they don't care about making anyone whole!
Seriously, I think they have said it all. Unfortunately, they won't just buy your car because you don't want it back. If it is fixable, then they will pay to fix it properly. It is important...let me rephrase....
extremely important for you to find a good body shop to make sure the job is done right.
That said, if your car is close to being totalled, you may be able to talk to the adjuster and insurance company and convince them to total the car. Nothing underhanded or illegal, just ways to pursuade them. There are plenty of people here, including me, who work for an insurance company and can help you with that.
Steve