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I knew a guy who had his BMW R100T mangled by an earthmover. He decided to accept the total settlement from the insurance and then bought back the bike for parts. The engine has a projected life of 90-100K miles and the older Ninja is in some ways more desireable for mpg than the new models. The best bet is to make a list of costs for each option. Compare the cost of a rebuild effort versus buying another used bike with the settlement money. There may be someone looking for a donor bike for a project since the frame, engine and transmission are in good condition.
I might be inclined to build a whole new front fairing (see low&slow) if that is the most expensive part to repair.
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