Thanks so much everyone! Sheesh, in a sick sort of way it's good to know that this sort of crazy thing happens to other people too... SO SORRY it does though! What a world, eh?
Anyway - I just got back from the mechanic and guess what?? My car is going to cost $4100 to fix!!! I can't believe it! I didn't realize there was so much damage on it, but there is some body damage and also a back tail light is cracked, which I didn't originally see... on top of everything else.
SIGH. At least I only have to pay $300 of it. I complain about my insurance company a lot, but it's good to know they're there when you need them!