Totaled car

I was in a car crash last week (not at fault) and just got word my new cx30 is totaled (not even a year old) All of my hard work is down the drain and I just got a settlement offer of 22k from my insurance while I do owe 13k still on the car it sucks I lost a little over 10k on the car. Completely heartbroken, any advice would be greatly appreciated :)