I am very sorry to learn of this situation.
Unfortunately, you may need to find a co-signer to help you get an auto loan.
The problem that you are facing here is that (as you stated in your question), you are facing a distinct possibility of filing for bankruptcy protection - in which case, if you were to have just taken out a new loan, your new creditor would be stepping in line to lend you money they would never recover (so they could charge you 500% interest on the loan, and it still wouldn't make a difference, the loan would not be of any value to the lender as the risk of loss would outweigh the likelihood of any gain).
I would recommend speaking to a local consumer protection attorney (even if you have to pay for an hour's worth of their time) to review your claim against the insurance company - they can help you make that decision about whether it is worth filing bankruptcy vs. filing a lengthy "bad faith" claim against the carrier.
If you go through the bankruptcy, following your bankruptcy discharge you will likely find that you are going to be more a far more viable debtor for new loans (such as a car loan) now that your other debts are discharged.
If you speak to an attorney about the bad faith claim, and find that it is viable (worth pursuing) following a review of your claims, etc. you could then consider pursuing a civil claim and strategy (including trying to push for an early settlement) to help you recover some of the money necessary to pay off the outstanding loan balance.