thats almost exaactly the same as what happened to me mate. it's utterly fucking rediculous, did you call the police? i wish i had cos i'm 99% sure the guy was doing something he shouldnt have done i.e on the phone. it really annoys me when i hear about peoples careless driving.
when the guy crashed into me he said "sorry mate i didnt see you stop". he must have been a fecking flid, cos on a gt there is a total of 5 brake lights, and my car was bright white, there was no way he could miss it.
what was the guys excuse?
i feel really sorry for u dude. when the insurance pay out, dont accept any less than 4k, if u do you would be a mug.
also try and take as much stuff off the car you can, (performance wise) just in case they dont let you buy the car back.