I'm sorry to hear about your accident and I'm happy to hear that you and your family are OK. We understand the issues involving insurance because we were involved in an accident with our fifth wheel earlier this year, and as much as we were not at fault dealing with the insurance company is always a PITA.
In regards to the "air bombs" I too respectfully disagree that they cause more harm. I was broadsided in my 2012 F-150 work truck about 5 years ago by a Dodge Magnum. The Magnum was written off and the driver went to hospital by ambulance because the driver's air bag did not deploy. The curtain airbag and driver's seat airbag deployed in the F-150 and I walked away from the accident with only minor neck and shoulder injuries. I'm certain that my head would have went through the driver's window had the truck not had airbags. I'm definitely a believer in them after that day.