Awful, awful news.

As for your insurance, remember to be as big a bastard to them as you possibly can - get evidence of the true cost to replace your car (dealer quotes, adverts etc), then less your excess and reject lower offers they make in payment, based on the evidence you supply in writing.
Remember you are paying insurance to cover the cost of replacement of your vehicle (less your excess) - not how much it is worth trade in or in some dodgy Glasses guide from 2 years ago.
I am not saying you will get everything, but wouldn't you prefer to only be a grand out of pocket instead of 3 or 4? (just random numbers, but you know what I mean!)
Best of luck and remember - shy bairns get nowt!
P~