You should tell the insurance to cash out on the claim and tackle the job yourself. Very easy to take the bumper out and replace the headlight. You can find a good use HID headlight at Ebay for less than $3-400 and a set of Philips D4Rs is only $110 at Amazon. As far as the small metal, take it to one of the Dent removal guy and he will fix it for a couple of hundreds. After the deductible and parts/dent removal, you will have at least $6-700 left. This is speaking from experience on my wife's Honda CRV, took the insurance check and do the who job myself, took me less than 3 hours and kept the remaining $800.