The insurance company owes the actual cash value of the car (ACV) regardless of the outstanding loan balance. If they made an error in how much...

File a claim with your insurance company. Otherwise, get a couple of estimate of the cost to repair and that will determine whether or not it is...

You were at fault and thus will not be compensated for causing your own injuries.

Can you? Yes. Should you? That's a different question. Furthermore, if you feel you need medical attention then go see a doctor.

You are under no obligation to speak to the police and probably should not.

Unless you sustained injuries requiring significant medical care you would not have sufficient damages to warrant legal action in my opinion. ...

Rude and unprofessional but not legally actionable in my opinion.

You have no injuries and thus no viable legal claims in my opinion.

Document your injuries and reach out to a local personal injury attorney.

Absent injuries requiring significant medical care there are no damages to support legal action.