Car Accident = car gone

so yesterday I got in a rear end collision with a guy on his cell phone. I was stopped at a red light and he didn't noticed me stopped, slid under my bumper, bent it, bent the tailpipe and slammed into the rear fender. My passenger fender is all warped and has chunks out of it everywhere, the inner fender is now inside my trunk. Both insurance companies are telling me they want to total the car and give me a check for $500, and I'm telling them where the hell am I supposed to buy a car like mine for $500. I am just so pissed, this car is my daily driver and I put 18-20,000 miles a year on her and for the past 3 years has never left me stranded from Boston to DC.