No aid shall be granted under this chapter to any municipality for reconstruction or repair of a destroyed or damaged bridge for which the municipality has been 100 percent indemnified by insurance; except that municipalities which are reconstructing, repairing, or rebuilding bridges 100 percent indemnified by insurance and the cost is beyond the costs actually recovered from insurance shall be eligible for bridge aid and may use the insurance recovered to offset the required match to the extent needed. The municipality shall add all of its insurance recovered to the project to receive bridge aid. Costs of projects may include, but shall not be limited to, design, engineering, abutments, enhanced structural integrity and safety features.