Don't rack your brain over it. Contact your insurance company. Inform them that you car is still having problems as a result of the incident. They should take care of it. If not, fight them on it.
I would agree with the above. You can sit here and think of a ton of reasons why it's doing that. All in all, contact your insurance company.
And just for my two cents, you could possibly have a crack with in your head or block walls that is allowing coolant to be burned off (maybe mixing with your oil).