I’m honestly really confused on what to do and what it all means. Can someone please kindly help me?

I feel like everything is going so fast and I haven’t had time to process or even think about anything. Any and all tips are helpful. Truly, TIA.

I got into a car accident yesterday morning. Three of us in my car and one in the other. My car became a total loss, a passenger in my vehicle was injured and received treatment in the hospital (discharged a few hours later), and I’m not sure what the other car looks like in terms of salvaging it (an older vehicle, about maybe 2014 while mine is a little newer at 2018). When I was with the police at the accident, I heard the radiator was leaking. Other driver claims to have insurance but I won’t know fully until I receive the police report at the end of next week or next. I did receive his information like name and address on my claim though.

I got my car towed out and it’s now in my insurance’s salvage yard. My insurance looks like it’s a full coverage insurance (according to my parents) but honestly I’m not even 100% what that means because I bought it when I got my first new car and it was because it’s what mom and dad recommended I get. Well, anyway, I put in the claim on my insurance app almost immediately and was assigned an agent rather quickly who assessed and sent me the estimates. I also checked my KBB against it too. So it is as follows:

They consider my car a total loss, estimating the repair to be $13,900 over a total of 3 days. They want to settle my car for $16,900. KBB states car is worth $12.5k to $14k.

This is honestly all really confusing, it’s not sitting in my head. I don’t even know where the money is coming from and what’ll happen with the other person. I don’t have the most stable job at the moment due to health reasons so it’s adding to my increasing anxiety. Can anyone please explain this to me like I’m 5 and what you recommend me doing next? For context, I live in the state of HI. Thank you so much in advance, it’s really appreciated.