As you are handy with the tools there is no point in getting specialists to look at the car as what Paul suggested earlier will be sufficient.
Just pull all the plugs and see if the engine unlocks, if so, you could be lucky, however if the insurance company inspects the car and it is locked they will probably automatically in this instance deem the car beyond economical repair.
If they inspect the car after you have unlocked it they may well look on the situation differently and instruct further investigation.
The course of action that you take will be determined by what outcome you prefer.
Alex