So sorry to hear dude
The replies are right on target: get that check for $7K+ and buy whatever you want. If you want OEM, I know there is a dealer that has excellent prices (DE: who is it again?)
Also, I agree with DE. The insurance rep shouldn't be talking about that $hit to you. They should have already talked to the security guard before grilling you like that. Remember, you pay them, not the other way around. Though, I don't know that I would report her unless she was just rude about it.
Hope you get whole soon
