3rd Party insurer can
1) Fix it - specialist "Scooby body shop" could possibly source 2nd hand parts but take months sourcing all the bits.
But then your car is not original and it's value has been devalued.
Immaculate/original with 80K miles is worth a lot more than well repaired with 80K miles. So you would be entitled to money for the reduced value of your car.
2) Pay full value for car
3) Offer to pay you £5000
In your case 3) is a non starter as that is merely an estimate - if body panels/bumpers etc are rare the price of the parts is "what somebody is prepared to pay"
You would be accepting £5000 and a wrecked car and instead of the insurer paying the body shop it would be you writing the blank cheques. 1) & 2) are the only acceptable options for you
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