Hello, all Volvo enthusiasts!

Now I caught my ball: my beloved Volvo (blue 240 DL 1987 wagon) got into a car accident. I stayed in a traffic jam and was read-ended by a Honda SUV. As a result my car jumped forward and hit other car. The rear bumper is OK thanks to the trailer hook. It accepted all the impact and literally punctured the SUV's front bumper. But the front right side of my Volvo is damaged. The headlight is destroyed completely. The front bumper is broken, of course, having fulfilled its task. Luckily, the engine compartment is intact and the car runs as usual great. The guy in that SUV admitted that he was wrong and his insurance company is already processing my claim. Such a story...
Now... I was told that insurance companies very often pay for old cars less than it would be needed to cover body work. They simply "total" such a car and pay only a retail price by the KBB. From the other hand, body-shoppers are sometimes pretty much greedy and they ask much more that you can get for your car.

So, a question... How difficult is it to replace the fender by yourself? I’ve seen several Volvos on our local junk-yard of the same age and color...

Thanks in advance,
Dmitriy.