TST need advice about an auto insurance situation..

[nhanxsolo]

So I came home one night from work and found my Civic totaled on the street on 46th and Walnut (University City), there was a note on there and when I called the person told me that a Malibu ran a red light and hit my car along with a Magnum, on the note were tag numbers of both cars. This was last wednesday (8/4).

I can only afford liability insurance so my insurance can only track down their tag number for me and I would have to settle it with them myself, which they did. When I contacted the insurance rep of the Malibu, they told me that their policy holder said the Magnum was the car that hit my car, not the Malibu so they are not accepting liability yet until the police report comes in and they'll see what really happened according to the report (another week or so). Anyways, the Malibu's insurance, not accepting liability yet, still sent out an adjuster today and they determined my car is totaled (duh!) and they gave me a price of $2400 because it has a salvage title at one point, I didn't know this because my dad bought me the car back in high school. The car itself ran perfectly and was in great condition in terms of paint and body.

I don't know what to do... I've been out of a car since last Wed and noone will accept liability yet so I can get a rental. I went to Enterprise to try and get a rental in hopes of being reimbursed but they said sometimes insurance companies won't reimburse if they didn't agree to a rental in the first place.



So my question is, do you think this guy's insurance is yanking my chain with the whole not accepting liability since they did send an adjuster out and they DID give me a price for my Civic and said their Total Loss division will call me tomorrow.

Any thoughts?