Adjuster came out today.  More of just a spokesperson.  He didn't know anything, he took pics, Told us to keep all medical bills/receipts, told me to saw the lose plastic off and go get an estimate wherever I wanted, then they'd decide if it was fixable.   He didn't think it was too bad.  Took it to the dealership, body man just shook his head as we looked at it.  He didn't really say that he couldn't fix it, but just didn't think it would be cost effective to start into it.  He had a notebook page full of parts he needed, not counting any of the labor.  He was to fax his report to the adjuster.  Probably find out more tomorrow.  The adjuster didn't even flinch when I mentioned the wife needs a loaner car.   Should get that in a day or two, she isn't driving yet anyways.