MY FULLY LOADED 2014 CAR (PAID OFF) WAS "TOTALED"...

MY FULLY LOADED 2014 CAR (PAID OFF) WAS "TOTALED" THEY FIRST CALLED LYING SAYING THE DRIVER WAS AN "EXCLUDED DRIVER" I DANG NEAR HAD A HEART ATTACK ONLY TOBE TOLD THE NEXT DAY "OH WERE SORRY NO ONE CALLED YOU TO TELL YOU THERE ACTUALLY IS COVERAGE... I WAS RELIEVED UNTIL THEY CALLED AND SAID THEY WOULD ONLY BE SENDING ME 6000$ I AM A SINGLE MOM WITH 2 BABY BOYS I AM NOW STUCK AND BECAUSE OF ACCC I HAVE BEEN SEVERELY DEPRESSED! I WOULDNT WISH THIS ON ANYONE! THIS RATE IS A ZERO.