I had something similar happen to me back in high school. I was driving to school and there was a lady stopped at a stop sign. My road didn't have a stop sign, and I had the right of way so I kept on driving. She was stopped completely and then decided to pull out right as I drove by. She hit the back side of my car. My car spun around so I was facing the opposite direction, and slid into the ditch a few hundred yards away from the intersection. The car didn't look too damaged, but the whole frame was twisted and it was totaled.
Then I went to school to take a calculus test. It was a pretty crappy day; especially since the frames for my glasses were destroyed and I was basically blind until I could get replacements. Still, I ended up getting a pretty good amount of money from the insurance company that covered most of the costs for a new (used) car. They even paid for some new glasses, which was great since I was probably going to have to get new ones soon anyway.
I hope you're doing alright and you can get the costs covered for whatever you end up having to do.
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