It sounds like you need the assistance of a lawyer, to negotiate on your behalf. If you are unwilling to do that, simply speak to the adjuster handling the claim and ask them to provide you with the reasons why they are not paying for everything. It might be that there is a limit to what the other party is entitled to under his policy. Also, if you report it to your own insurance policy, they may be willing to make up the different and then they will go after the other insurance company to get reimbursed. Good luck! If you are looking for an attorney, a friend of mine handles cases like this, her name is Jasmine Gevorkyan and can be reached at 310-659-4900.
My experience is that most insurance companies and their adjusters will try to resolve claims for as little as they can. If you obtain the basis for their decision and provide rebuttal evidence in support of your cliam, the offer may increase. Also, depending on the policy that the other driver has, there may be limits on what they can pay out of that policy. Another option is for you to submit the matter to you own carrier, since they will have a greater obligation under California law to pay your claim (as "first party" insured) and then once they've paid they will then decide whether to fight it out with the other party's carrier over the difference.
Disclaimer- The information you obtain at our web-site or through postings on such sites as this is not, nor is it intended to be, legal advice. You should consult an attorney for specific advice regarding your individual situation. Any response given here is not intended to create, nor does it create an ongoing duty to respond to questions. The response does not form an attorney-client relationship, nor is it intended to be relied upon as legal advice. The response given is based upon the limited facts provided by the person asking the question. To the extent additional or different facts exist, the response might possibly change.
You should insist that they pay for all of your damages, including rental car & car damage repairs. Insist that the ins. co. do this & if they do not, consult /w an attorney
Sign up to receive a 3-part series of useful information and advice about personal injury law.