[fredjacksonsan]

If the frame is bent you might have some handling problems at speed, so be very careful if you get out on the highway.

Backing up tire rub...heard of this and over time your tire will get cut. I've heard of people putting a tow strap on the bodywork underneath, tying it to something and backing up to jerk the front end back closer to where it should be. I've also heard of people removing bumpers or other parts by doing this.

You certainly could cut the fan shroud to keep the blades from hitting; this would degrade the airflow ever so slightly, but probably not enough IMO to cause an overheating issue.

I'm curious as to why the insurance company won't cover this.....did you not have Collision coverage for your own vehicle? If you did, they will cover it.