First off I am glad to hear you and your family are ok. Cars are just objects that come and go but family is precious and cannot be replaced when they are gone. I have had the unfortunate experience of being in a not at fault wreck as this. My insurance covered my vehicle and went after the other drivers involved (yes 2 idiots = 1 totalled 7 month old 1 ton truck). That happened back in 2000 and is still an opened case at the insurance company which surprised me. My insurance company went after the other insurance companies to recoup their costs. The bad part was both their combined coverage didn't amount to enough to cover the truck. In my case my insurance did not go up. I just got raked over the coals (lost my butt) on the value they put on the truck.

Again, very glad to hear your family is doing well!