Sounds like you already know all the facts. And, you are correct. There is nothing you can do about still owing the bank money.

You are lucky the other person has a good insurance company and are quickly paying for the damage to your car and your injury. But all insurance companies try to give you nothing when it comes to pain and suffering. So, if you think you deserve some money for it, espciallly if the injury is serious then you might consider an attorney.