Put it this way, Johnathan: it appears you were "more hurt" than I was when I had my accident back in 2000, and I got about $5,500.00 as a personal injury settlement. I also got about $12,500.00 in property damage (what they said the car was worth @ the time), which covered all but $2,500.00 of what I owed on the vehicle.
Go see an attorney who has a clue.