As long as you're OK, the metal doesn't matter.
From the picture and point/angle of impact, she probably needs 'pulling' back in to shape. As a 2005 car in good condition, it would be worth what? - £7k ish? Provided parts can be sourced (second hand bits should be available) and the chassis is 'bend-backable' (which it probably is) the job is do-able, but eating in to the value of the car making it touch and go for an 'economical' repair. I hope they fix it for you. It's a nice looking car (well most of it still is). If they decide to write off, you could do the same as MGJohn over at .org and get it fixed yourself (he took the insurance pay-out, bought the car back from them and fixed her up). Have a look.
http://forums.mg-rover.org/showthread.php?t=197463
Again, it seems your OK (if a little P'd off) - that's the main thing.
All the best,
Gary.