Dont go to insurance. If they dont jack the insurance now, they will later. Technically it's your fault and you cant win this one. Any JDM part is going to run you about that at a dealer, it's no ripoff. As an example... blacked out jdm lenses from japan for a mazda6 cost 900 US. Yes thats right.
Rear tails > $280US ~ 400 Can with taxes etc. Also dont forget they are probably not quoting you for 1 headlight, it doesnt make sense for them to get just one. So if you do end up getting it from them.. make sure you get the 2nd one handed over to you as well.