I would ask about removing some of the valuable items from the boat if the insurance company would allow it. The winches, toe rail, stanchions mounts, bow/stern pulpits etc. are hard to find items that you could resell.
I would not even think about trying to repair the boat considering the damage to the liner. You are better off taking your money and running.
Can I ask who you were insured with and how much they valued the boat for?