I hate seeing pictures like this, what a great shame. I know how I'd feel if that happened to me, very sorry for you.
Who knows what the insurance company will decide, I don't understand their processes, but worst case there's probably a fair bit worth a few bob that can be salvaged to keep other Commers on the road - bumpers, panels, small hard to get bits etc.
I need to get my manifold cut by Tim as the carb does get too hot to touch on warm days and has expanded enough for the fuel inlet to loosen. Definitely not safe!