I agree. I have never had to do this, thankfully, so I am not speaking from experience - but supposedly you can buy your wreck from the insurance after they pay you off. Then you can park it and do the work yourself over time. Or you can part it out. If you save the money from the sales rather than spend it as it comes in you can make a good deal of money to get your next jeep.
If the frame is not screwed up and it still runs I would rebuild it like the Six Million Dollar Man, too. (Nice clip, Vroooom!)
Good luck, whatever happens. I am sorry that your baby was smacked like that. Glad that you are not reporting any injuries.
[EDIT: I think you would have to get a salvage title if it is totaled, however. That will make it hard to sell. But if you do not intend to sell her - hmm... ]