Colonel car insurance

So reported this to my insurance today, it was my fault. Lorry left his tail lift down and in the middle of a car park, I misjudged and scrapped the back end of my car. Damage is the 3 big scratches on the door, dent in door, a few minor scuffs and scrapes and then my driver side rear bumper panel has popped out and the clips have snapped and is also scratched. Insurance said my excess is £800 but if the repair is equal to or less than that then I can settle privately and not affect my insurance.
I’m 99.9% it’s going to be a lot more than £800 but wanted others opinions just out of interest as I won’t know for certain until the garage come and assess it

AITAH
When I was 16 years old, my mom kicked me out. Recently I found out she told everyone I ran away. At the time I was a straight a student, did my chores, held down a full-time job, ran track cross country and played volleyball. I wasn’t a bad kid. I’m 20 years old now. And I’m currently housing my 17-year-old brother. Just for reference, my brother had a car accident at 90 mph and received a major concussion and a broken shoulder. A week after the accident. My mom’s boyfriend of two years got into a physical altercation with him resulting in my brother is already concussed head getting hit on the door frame. He reacted and screamed. Your boyfriend just assaulted me. In the end, a span of a span of 20 minutes not even 20 minutes my mother chose her boyfriend over her 17 year old son. For context, I haven’t talk to my mother in years. Recently, my grandmother, who lives with my mom had a heart attack. Due to feelings of guilt because of her condition, I begin contact with my family again. For the past 11 years, my mother has been an alcoholic, who is also prescribed Xanax. Other than the obvious reason you’re not supposed to mix the two, she never has to deal with the pain she causes, because simply she doesn’t remember it. She is consistently chose alcohol over her family and her friends and her children. Which is why I remain no contact. Recently, my 17-year-old brother has been suffering from severe vomiting since the incident with Mom’s boyfriend. I had to beg her to take him to the hospital. It was my finals week, he’s a minor, and my name was not on the insurance card. She decided to convince the doctor that my brother was addicted to marijuana, and that was the cause for his symptoms. She brought him a folder “proving her case“. End result, my brother was discharged, and she felt validated for kicking out her 17-year-old son. Over the next few days, she spammed mine and my brother’s phone trying to prove to me that that was the problem and that he is manipulative and playing me. It was so severe. He had to block her number, and which she just made a new one to contact him. Resulting in him, making a new number to get away. Just recently she reached out to me looking for sympathy. Just recently she got diagnosed with sub ventricle tachycardia. Originally I ignored her, but then she sent the text again. I did do my own research on the topic, and while it is a health condition, you could be born with. It is triggered by alcohol, caffeine, and stress. This was our conversation AITAH?

Obviously totaled. Worth buying back from insurance? It’s got: New rear window rollers, JDM rear tail lights, reupholstered leather interior, functional antenna motor, new window seals, custom spoiler, speakers with CarPlay head unit, and 100% functional with an engine that had a new timing belt, water pump, oil pump, and new tires done in the last 10-12k miles.