Sorry to hear about this You say you don't have legal protection, but do you have it on any insurance - i.e house ? As I think if you do you could use that - worth checking out at least. Your insurance will let you take it where you want to, but you may not get all the nice stuff like courtesy car etc. as they cant force you to take it to a place of their choosing. Also worth bearing in mind, that they might not let you buy it back if its written off. Some insurance co. send them to auction instead and you would have to bid, along with the rest. Often cars go for much more than they should in this instance.
Hope you get a positive outcome, and be prepared to fight for what you want.