Why are the insurance disagreeing? Most frames I have to do insurance quotes for I'll happily write off because getting hit by a car isn't part of their usual design use or what it's designed for. If it's not obvious that it's fine the manufacturer isn't going to guarantee it's safe so it should be replaced. I guess ask any other shop to sign off on it for another fee and add it to what you're claiming, using it after that is at your own risk but you can't really say that every weld or tube is fine unless you're pretty happy that, say, the rear wheel took all of the impactn or whatever depending on the accident.
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