don't go through insurance.
they'll write it off.
unfortunately, 97 TJs aren't 'worth' as much as everyone wishes they were. thats easily gonna be a quote of 4 - 5k in damage to fix at a shop. and unless your gastank is full of gold, i dont' think they'd fix it...............
right now, Kijiji is your friend. hit it and start looking for D30s out of TJs. theres a few out there. then start looking for fenders etc. call wreckers, etc.
i feel for you; situation really sucks, but you're going to have to get crafty to fix it on the cheap, or pay big bucks to get it done right.