You might want a marine liability lawyer to negotiate your side. Issues can come up from left field, like the other party arguing you were anchored in a navigable channel or that your anchor dragged or some other way to negate your claim. Obviously you'll need a place to stay while repairs or a replacement vessel can be accomplished and insurance companies frown at liveaboards so negotiations will have to be delicate and finessed by a professional. Keep in mind almost anything can be repaired and while a huge inconvenience, there's always a lesson learned. The damage doesn't look as bad as it feels and can be fixed, but get a couple of yards to estimate the damage, don't rely on insurance companies to be looking out for you. Good luck on the repairs and hang in there, all will be well.