Gutted for you Muzz. So glad that you are both okayish.
Just remember that there is light at the end of the tunnel as you are self employed you can be covered for loss of earnings due to you needing the van for work.
My mate just had his van written off by a gritter and he is claiming loss of earnings of £500 a day and he is only a window cleaner, even running about in a courtesy car cause the insrance company wouldn't spring the additional cost for a van.
And I bet that while reading this paragraph your neck has got considerably stiffer, get your wife to read it too and make sure you get to a Doctor's in the morning as Jonny said.
Oh - The Pain - The Pain!!!