You need to get on your insurance companys ass and get them to do their job, that is why you pay them! Albeit you only carried liability but that's besides the point , chalk that up to a lesson learned and always pony up for step up on ins, and and comprehensive! But by no means settle, he hit you and you have police report showing he's liable period! Get you balls out of you throat and demand that your ins company does their job which is go-to bat for your claim! Don't let them low ball you cause what's the point of having ins if it does not make you whole, you said it was a rental car good chances it had full coverage ins on it, call rental company and request info on said policy! Remember due diligence is key and it will only make you a smarter and more responsible driver in the future. I was rear ended by a drunk driver at rail road tracks injury lawyer did not want to take case because there was not enough damage to my vehicle and that I would fare better to just not settle until they offered me what I wanted looking back I should have held out longer because I could have got a lot more I held out till they offered me 30k. Your young and have a lot of life left to live look at it as a learning experience and man up! Always keep a disposable camera in glove box wether or not u have a cell phone never move cars without taking pics first always call cops and file report , you may think cash is cool but you'll always get the short end of stick.wjen you settle for less than making your whole as in how you were prior to accident! Insurance is a big fucking scam and they will do everything in their power to low ball their own grandma to not pay a claim that's how they get their bonuses so take them to the cleaners every time ! Been driving 40 years only claimed once on my full coverage ins and other party was illegally parked we both had Allstate they tried to increase my premium by 1200 bucks and did not want to pay claim and my own insurance agent also tried to do me dirty by not telling me that if I was to assume the position as the primary on policy that my premium would have only gone up by a dollar I only found out because my agent was out of town and I had to go to another agent who said oh let me see what's going on here and they actually told me the truth f Allstate f most insurance companies they're all bunch of scammers they'll do anything to not pay a claim to its fullest you pay for it they're obligated to pay you or whoever you hit or whoever hits you so hold them to the fire hold their heels to the flames and get every damn pain in your owed! Don't let them take your classic car from you that's your freaking car that's yours no one else's they're not going to value it the way you do and there's certainly not going to be the ones that are going to have to look for another car and then these day ages you be lucky if you can find a car for 4,000 you know times are f* right now good luck keep your chin up and there's always a way to get insured don't settle get on the internet and search search there's insurance out there for you you just have to find it Viking The general cost you less haggerty there's all kinds of agents out there and they're all underwritten by only one or two or three underwriters so they have to insure you you have to drive to be able to function as a functioning part of society so don't take no for an answer tell him f* you you're insuring me because I have to drive and go to work like a normal human being pony up if you have to pay a little extra that's the way it works keep your nose clean don't get an accident don't speed don't let them plug one of them stupid chip things in your car that tracks everything you do because that's a dumb dumb thing to do that's so they can charge you more money by the way anyways I know I wrote a book but being someone that's driven most of my life and only had one accident that was my fault for rubbing neck and then at a chick's butt in front of high school that one I own all the others have been some other Jack wagon's fault good luck and Godspeed n