The insurance company isn't going to screw with it. They'll just dump it to Co-Parts or something similar. You can visit the yard and bid on it when they auction it off.
The 135i doesn't have much value in the marketplace, so it doesn't take much damage to total the whole car. Your car might not have been very expensive to fix. The bumper looks bad, but that damage can be repaired just using a heat gun. Of course, frame and suspension damage is another story. In your case, replacing the subframe and some suspension parts isn't all that expensive either.
Take a look at the repairs done to an Audi R8 and a late model 911:
It's quite remarkable how some very expensive rides are bought back to life by a fairly handy DIY guy!