AHHH no devistating.
I understand both sides, in a way its his fault but I guess you shouldnt have been there. I guess you gotta look at if from the other guys side. if it was 10 seconds, which it may have only been 5 or 4 because everything happens so fast but you think its slow because of the adrenolin... If you were the other guy, just driving along, then suddenly there is a car sideways in your lane and you end up writing it off... THEN to top it off it ends up being all your fault and paying it off for the next few years, then that sounds kinda bad.
But then I also understand if it was infact 10 seconds then he should have had plenty of time to stop. Did you stall it and you couldnt move? or was the car already undrivable?
Do you have any pics?? Its a shame about the liner though. but I am happy no one got hurt, do what you gotta do.. and definately get a doctor check up too.