Hi and welcome to JA. Ray here to help you today.
It is not too late here to go to doctor about your aches and pains.This would document the problems and you would also be due pain and suffering.I realize that is separate from your issues about the car here but it might give you recovery for all you have suffered and you could use the funds for whatever you choose including car replacement.
You can take your vehicle, age, mileage, and comparables and seek more funds.You would get ads from Craigs list, local paper, car ads, etc and document what you think the fair market value is.I can tell you that they will usually come up from $500 to $1k if you can show that this is what a similar vehicle is.The more you get for the car the more tt and l they have to pay you.
And again consider going to the doctor about your injuries.It may be time to revisit them.You can document those to the doctor, he may prescribe medicine, therapy, whatever and this is all reimbursable.You also document for pain and suffering purposes what is hurting and how long you have had it.You keep going here until you no longer hurt. Overall this is reasonable and still possible even if you have not done so to date.
Nationwide should pay you here, your insurance should not have to pay it.Nationwide is liable for the medical here and pain and suffering since their party caused it.
You aren't going to have to sue anyone here if the other driver assumed liability.But consider a trip to the doctor here, see what treatment or meds are needs.It is possible you have broken bones, hairiline fracture.I chipped a tooth once and didn't realize it until months later.You were hit pretty hard here, you may well have injuries.
I would try to get them up $1k here on the car showing them true cost and then more t, t, and ll and file for medical claims.This would then give you claim for pain and suffering.This could be another grand easy if not more even if it all checks out and you just have normal aches and pains.
I appreciate the chance to help you today.I wish you the best here.Thanks again.