Well, sheee-it! Man, that sucks so incredibly bad. The day after !!??
I don't know if you can find someone here with the "pro" advice to give you.
So, the insurance company hasn't actually called it totaled yet, you're scared to tell them about it so far. And this scares you because you don't think you can get another good deal like you got?
I'd be checking car value on it and maybe even take it to a place, since it's driveable and get an estimate.
BUT, let's take a look at this logically because maybe you really don't even have a choice:
You HAVE to do something or else the car won't get fixed and you certainly don't want to pay for it yourself, so that leaves only one thing--insurance company.
You SHOULD have an accident report that shows the other driver at fault.
Armed with this information and report (which should keep your insurance from rising AND pay the deductible), tell the insurance company and start the process rolling.
Now, either they will declare it totaled or fix it. HIS company. I'm assuming in order to declare it totaled, it has to be near the value of the car. I say near because they will be adding in rental fees for the car you use while it's being fixed. Also, I believe, you will sign the car over to them and they will sell it for salvage (they get back some of their money here and put the screws to you).
If they declare it total, you should get a check for an amount reasonably close to the value. That's no so bad as long as it's fair because you can reasonably expect to get another one. One of the mods here just traveled to TN and got an 06 for not a whole lot more than you paid. TireMeltingRSX.
If they fix it, that's nice, too, but I've always thought factory paint was better than paint afterwards. And, then there's the inevitable "matching the paint" exactly worries. And will the repair be impeccable worries. AND, was there more damage to the drivetrain/chasis that didn't get fixed.
I hate that it happened to you because my 06 is MY dream car and I had the dealer do damage to it.
BTW, mine is silver, too. NICE wheel color!
AND, hang around...
to the forum.