Help Jac Get Back on her Feet (and the road)

I'm just a single mom who can't catch a break. Two steps forward, then 3 steps back.  I was coming back from the bank when someone ran a red light and hit my car...

The car spun around and completely disoriented me. I got out to see Bijous toys spread across a busy 3 lane road and my bumper thrown into the front yard of a mortuary. I became an emotional mess thinking of how my child would have been hit directly had she come with me on this mundane errand. 

The man who hit me left on a stretcher and I'm left with no idea why this happened or what he was doing to cause this Accident. I do know that he is ok and that he drove the exact same car, color and all, as me. Both cars were sitting side by side, both totaled, at the impound yard when I went to gather my belongings. 

So, yeah, my 2019 Nissan was declared a total loss and I'm left in a bad spot. The insurance company isn't giving me enough to pay off the current loan and then I need to figure out how to get a new loan. All while still trying to get to work each day to pay for everyday expenses and bills.

I appreciate any help or words of encouragement.   I have to stay positive for Bijous sake, at least. .