Mate, i feel your pain, good news is your ok, and your story is the sole reason why my wife drives my 2yr old son around in a Yukon. They're have to be hit by a frigging oil tanker.
Insurance, when i moved here from the UK, i paid $469 a mth for a 02 Tahoe and 06Jetta, full insurance. I had no choice as my wife and I were listed as inexperianced drivers, at the age of 35 yrs of age, point is now i pay now 5 years later $120 mth full insurance with $100 deductable. Insurance is one of those needed evils, curse it when you don't need it, praise it when you do.
As for the repairs, I wish you god speed brother, you can't go wrong with these guys on this forum to help guide in doing the right thing.
... Just glad your ok
Cheers POLO