i thought insurance would only offer to pay for one FACTORY wheel. so i dont think you can get them to pay for 4 new wheels.

Insurance usually covers the factory parts on the car. Like for instance, i put the VQ motor into my Sentra. If I were to get into a wreck and the motor was destroyed, insurance would pay for an original factory motor that came with the Sentra. So I wouldn't expect to get your insurance company to purchase you four new aftermarket wheels.