Hang in there Kevin, things will get better.
I was in a car accident about two and a half years ago. The lady who rear-ended my car tried very hard to get out of there before the police showed up so she could deny that it was her fault (her car wasn't damaged, but mine was). I just told her she could do what she wanted, but I was waiting for a cop to show up. She didn't say two words to me after that.
Just make sure that you explain everything you your claims adjuster and be as thorough as possible. You should be ok.
Chin up bud...you could be here where it's snowing!