crumpled stang

I recently crumpled my 95 mustang gt on a gaurd rail... (didnt get great traction on the wet curve..eek!) this isnt my first accident either.... the damage doesnt seem too bad, needs a new healight, hoods fine, but the front corner needs to be repainted and pounded at a little, the side needs some paint too...first of all, how much do you think that'll cost? and second, I really dont think I can keep my insurance, anyone know how much PLPD in michigan is appx? Please help! i'm too expensive for my own good...