IMO, having the tube replaced would cost more than the frame is worth. The insurance will give you a couple hundred (hopefully) and maybe that would offset the cost enough to make it worth your while.

I can't legally recommend to others a "cold set" repair (where the frame is manually straightened with no tube replacement) but I had a Colnago that I "cold set" after an accident and it worked for years after that (I finally sold it with full disclosure).

Also, back in the day, many of us "cold-set" our rear triangles wider in order to change from 5-speed clusters to the 6-7-8 speed models and I never heard of any failures among my friends. BUT I am NOT recommending "cold-setting" due to fear of litigation .