Dang man that for real stinks, i had that happen to my 240sx when i had it. But about the airbag, that happened to me when, A TRUCK, came into my lane so i had to swerve to the right but i still ended up under the right side touchin his wheel, and since i was such a good boy i got to have a uhaul hit me in the back, luckly uhauls have hydraulic brakes and it wasnt as bad as it could have been, but still the airbag didnt deploy.
But one thing you could do is use the money the insurance gives you to by back the car cause i garauntee that once the car is totaled some mechanic is gonna buy it at an auction and rebuild it under a salvaged title, know that. But i would strip her down of everything i wanted anyway, cause once the tow trunk comes and takes her shes gone. Try and see if the insurance will fix it, cause i have progressive and had been in 5 accidents and still have kept my car. But most important STRIP HER OF EVERYTHING YOU WANT CAUSE THE INSURANCE COMPANY IS NOT GONNA PAY FOR THAT, SO WHY GIVE THEM YOUR HARD EARNED PARTS FOR FREE. Hope I helped