Sorry About the Accident...
Here's what I can tell you about the insurance companies and how they calculate totaling of a car.
You say it is less than 10K damage... In order to total the car the damage has to be in excess of 80% street value of the car. This is the norm for most insurance co's. If you wish to have it totaled out, the value of your car could not exceed 14K, bear in mind this is cash value not blue book or retail value. I do not know what the cash value of your 95 c280 is currently, but I assume it is more than 14K.
My best advise is trade or sell as soon as it gets back from the body shop. Unless the body shop guys are genuisses with metal, It will never be the same car you were driving before the accident.
76 240D - 550K miles
78 300D - 200K+ miles