glad you guys are ok !

my charger was hit similar to that when i bought it back in 1970. it got fixed, and i still own it today. i just wished i had the forethought to take pics of it in the as bought condition !
if your car were mine, i would definitely buy it back. whether to fix it or part it out would depend on a bunch of things, but only you can make that determination based on your skills and tool collection.
my one friend in new york state had a new challenger [with only 47 miles on it] broad side him in his 64 polara a few years back, and his policy allowed him to keep his car without a buy back.
i know all companies are different, this was just his experience.
Good Luck to you guys ! keep a close eye on how you feel in a few days, you might want to get checked out further.