Auto Insurance Claims: Rental reimbursement, rental coverage, rental reimbursement

Question
QUESTION: Dear Experts.
I'll try to be brief. A few months ago I was involved in a collision. I had the right of way and the other driver had a stop sign which he ignored. My car was out of service for 2 whole months. The repairs were paid for right away by my own ins. co.
A few weeks ago, the owner of the other car (a corporation) sent me a bill, along with a threat to sue, for the repairs done to their automobile (over $1200) claiming the accident was my fault. I immediately forwarded the bill to my insurer and have yet to hear  again from the other driver.
Now, I'm owed the reimbursement for the 2 months worth of rental car that came out of my own pocket (over $1100). I did not have rental coverage from my insurer , so I'm at the mercy of opposing ins. co. They  offered to settle the bill with me for 90% and to tell the truth , I'm inclined to take it. The question is , should I take the settlement or would that constitute admitting fault? Will I be responsible for the lawsuit , should the corporate owner of the car choose to pursue on their threat? My own insurer is 100% sure that the liability lies fully with the other driver and his ins. co. and therefore will not negotiate with them. I've been told that it might take months and even years in order to collect, should the matter go into arbitration. I'm not at all admitting fault , but at the same time 90% now is better than 100% in a year. Please suggest the proper course of action.
Thank you and sorry for the long post.

ANSWER: Hi Syad,

The other company is just trying to save money by offering a 90% settlement. The problem is that you should not make any liability settlement without involving your insurance company because that may also limit the amount they could claim as reimbursement for the repair costs. The good thing is that it would eliminate the need for you to pay them because they would have accepted 90% liability.

You should stay in contact with your insurance company in coordinating any settlement. You should also send a demand letter to the at fault vehicle owner stating that their driver was obviously 100% at fault and that they either pay the full rental bill or you will sue them.

I hope this helps
Richard Hixenbaugh

---------- FOLLOW-UP ----------

QUESTION: Sir.
Would you please clarify this part
"The good thing is that it would eliminate the need for you to pay them because they would have accepted 90% liability".
Pay who exactly?

Answer
Hi Syad,

In your initial post, you stated you had received a demand from the other insurance company for you to pay for their insureds damage. If they agree that their insured is 90% at fault then at worst you would only have to pay 10% of the repairs.

I hope this is more clear.
Richard Hixenbaugh