I think your car is totaled since year 2000 Contour's value has dropped a lot.
I had to get mine fixed since in Oct the car was supposed Blue Book worth 10,500. I had $4400 damage. Now cars only $7-7500. I sure wish mine was totaled out.
The seats and belts are NOT supposed to break in that kind of crash! I'd get a lawyer and look up seat belt safety standards and laws.