1. Dear Dominic, all is not lost here. This is because you can claim for the full value of the debt to the finance company against the police who caused the accident. In this regard you can also claim compensation for personal injury and any other losses you might have suffered as a result of the accident. In this regard, I would advise you to see a claims specialist and seek to take legal proceedings for compensation against the police. This can include the value of the debt to the finance company. You are not limited to claiming off your own insurance. Additionally, just because you have made a claim on your own insurance, this does not preclude you from making a claim against the police.
2. So, at this juncture, you should speak with a solicitor who can take an action on your behalf against the police for the damages lost and any personal injury you might have suffered as a result of the accident. Driving into your car constitutes negligence for which the police are liable.
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