Glad to here you walked away, and your family still has you around. I've always told my wife and kids "metal is replaceable, your not" It don't matter what you get from the Insurance Company, Your still alive, and too your family that's all that matters.
As far as you Concussion, I've had three, if you start forgetting little things, like your wife's name, or your daughters name, walk into a room and forget were you are at, go back to the Hospital.
I have State Farm, about three years ago my oldest daughter had an rear end accident, her car was hit in the right rear, they (State Farm) totaled it. It shocked the **** out of me, I thought it was fixable. I owed 3800 on it, and it was worth 5300, and that's what they paid was 5300. So it paid off the car, and gave her another down payment on the Toyota she is driving now.