Glad to hear your daughter is alright! I think I may have found the problem....unless you're in a British Commonwealth country, She's driving on the wrong side of the road! :-) "Beck" looks totally fixable.....I've bought and sold worse than that. Bring it to a good resto shop, have it fixed, and send the bill to the other insurance company. Don't just accept their hand picked "bondo and go" body shop. Make sure the job is done correctly. If there is no mud in that body now, there shouldn't be any after it's restored. Good luck in your battle with the insurance company! We need to keep these 66's on the road!