<prompt> Human: EDIT: Thank you everyone for your insight and sympathy. I learned a great deal and I am feeling better prepared to talk to my claim adjuster on Monday. Thank you so much. I also am taking the advice of many here and going to the hospital to get checked out for the head injury just in case. Thank you again for your kindness and expertise. I will post an update on what happens sometime in the next few weeks for those interested.p.s. I was advised to remove this post just in case legal action is taken by any involved party.  <response>: There is some good information in this thread. I worked in auto claims for years. Depending on which insurance company you chose to insure your vehicle, this will work out in one of two ways. You will know how good your insurance company is by the outcome that plays out. The company I worked for would likely waive the initial impact collision loss and settle your total loss based off of your second collision loss. With the value of your car being what you have stated, your vehicle will be a total loss. The second outcome is that your insurance company would place two collision deductibles on the value of your car, thus shrinking up your total loss settlement quite a bit.Also, many insurance companies do not use KBB or NADA to valuate vehicles anymore. Many companies are now using estimating programs to value the vehicles. The company I worked for was using Mitchell to estimate the damage. It was also the system that was used to write estimates.Your property damage will cover the damage to the guardrail. Do not be surprised if you receive a bill for that repair many months from now. The municipality will find the damage, repair it, and then send the bill afterwards. Do not be alarmed, just submit it to your insurance company. Regarding your injuries, should you have Medical Payments Coverage or Personal Injury Protection based on which state you live in it will cover your medical bills up to its limit. If your boyfriend has MPCPIP, his auto insurance may be able to cover his medical expenses. If not, your insurance company should care for his injuries. This will all be based off of which impact caused the injuries. If your pains came from the guardrail impact, then your insurance company is liable for the medical expenses. If the other sliding car caused your head pain, then the other partys liability coverage is responsible for your medical expenses.Both insurance companies will want to speak with you. Actually, I would venture that even the police departments insurance company will want to speak with you. This is to apply fault to the accidents. Fault determines who pays for what. You are at fault for the accident regarding the guardrail. I know you may think that you had an accident and just slit into it. Unfortunately, collision claims require fault to determine how premiums are calculated. Expect mulitiple calls to you. If you do not provide your side of the losses to the other insurance company, then they may hang their liability investigation until they speak with you. No payments will be made until liability has been investigated and determined. More than anything, rest up. Expect more pains to come over the next few days. Often times following an accident, your body wont start to reflect its pains until 24 to 48 hours following the accident. Rest is very important right now. Im sorry about your loss and hope you get to feeling well soon. 