Auto Insurance Claims: painstaking claims settlement..., property damage coverage, uninsured motorist coverage

Question
I bought a brand new car and after only 2 weeks of using it, my car (safely parked on the street) got hit/smashed by another car causing severe damage to my car. And because of the strong impact, my car hit another car parked and the other car, hit another parked car (total of 4 vehicles involved in the accident). Moral of the story... the other party (at fault) has accepted liability but her insurance issued a statement that they are not gonna pay for the entire coverage of the damages. My insurance is covering the costs of the repair right now and I already have consumed all the maximum rental car coverage for my insurance. Problem is... it still will take at least 1-2 more months to get my car fixed and NOW, it's bad enough that I already paid for my 1st monthly payment for my new-BEING REPAIRED-car, but on top of that... i don't have a rental car to use until my car is ready (1-2 mos)? What should I do... I'm way at the bottom rung of my frustration & disappointment in settling this very bad experience in settling a claim, not to mention the emotional distraught of having to pay a new/being repaired car which is in the body show and am not using.

Please advise. Any inputs will be much appreciated.
Thanks!
Alan X Reed  

Answer
Very unfortunate situation.  

I can only address this based on the insurance policies available in my home state of Georgia.

From what you have said, I will assume that the at fault party did not have enough property damage coverage to take care of all four cars and therefore, your repairs and rental have been limited.  

You state that your rental ran out which leads me to believe that you must be using your contractual rental coverage and collision coverage on your own policy.  

In Georgia, we have Uninsured Motorist coverage that also acts as "under-insured" motorist coverage.  It takes over when the at fault party doesn't have enough coverage.  When utilized, it would pay for your rental until the repairs are completed in addition to any legitimate repair costs.  

If you do not have then coverage, then your only recourse would be to sue the at fault party individually for whatever he/she owes above what their insurance paid.

Good luck!