There are laws now for Neck injury that do not allow them to go over approximately $4000. This is due to the high number of people that see $$$$$ when they get rear ended. That is why premiums are so high today. Be honest about your injuries and as mentioned above.... you will get better service. The other party is 1005 at fault and it is their Liability coverage that will pay for your vehicle wether it is repaired or written off. The fact that you do not have collision coverage play no part. Their insurance will pay for damages. Now if you were at fault..... no repairs to yours.
Document everything as it goes and you have 1 year to make any lawsuits for further damages.
Hopefully this helps.
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