Car scratched.. Problems with HUK

Hello, I’m new here and don’t know any more why I need experience/tips. My car was completely scratched with panoramic roof+lights on one weekend and I don’t know any more. For the insurance a total damage. According to the report of DEKRA my car has a replacement value of 16 89€ without VAT. (with tax 20 100€) The residual value 16 690€ .. according to HUK a damage sum of 200€. At the bank I still have a residual financing of 18 000€ open. If you sell a car at the remaining value and thus cancel the financing. And who will compensate me for the damage?? Then I don’t have a car, should get me a new one. According to the report it is a damage of approx. 900€ without VAT. So something happened to me for the first time.. I thought the damage sum of 900€ is paid to the bank and I leave the car unrepaired and then at least the financing would have redeemed something. According to HUK there are 2 possibilities. 1. I thought you could also fictitiously charge the money to the bank, of course. I need some experience of what you think about it or there are other options.