i don't know how pa's insurance works, in michigan, we have teh good ole no-fault, so you pay no matter what, unless you have broad collision, which states, if you are not at fault, deductalbe is waived. (of course you pay a bit mroe too..) but the insurance would at least cover the damages to the car right? or the blue book value for it. degree of fault may result in higher premiums.. but then again, that's just my guess and no expert insurer's opinion.
i'll be pulling for ya to get the best out of the situation. it's gotta be tough to be in college and have to go through this crap. nothing like putting in hours on end and money into a car, only to get shitty compensatiion out of it. but you know, as gloomy as things may seem, after a pouring rain, there will always be sunny days. hope everything works out in the end.