need help/advice

[Stage3S4B5]

Ok I will try to make this as short/easy as possible

My girlfriend was in my dodge caliber 2 weeks ago stopped at a red light. A woman driving a Toyota tundra rear ended her at 45+. she was using her cell phone and never even hit the brakes. thank god my girlfriend walked away with some minor lower back pain which was caused by bruising, confirmed by ER. Thankfully 2 dover cops witnessed the accident and immediately said the woman was at fault. My girlfriend and i are both DE residents as is the woman that hit her but the truck was insured under a fleet insurance company based out of pa.

Heres where it starts to get interesting. The accident occurred late in the afternoon. I immediately went to the scene of the accident and contacted our insurance company and the womans insurance company. I was told by her insurance company to have the vehicle towed to my house because it was so late in the day and to pay the bill and provide them with a copy of the receipt. A few days later an appraiser checked out the car. I was at work but my brother was there during the inspection. He never looked in the back of the vehicle but he did provide a rather thorough appraisal minus interior pieces and the drivers side tail light which appears fine but now holds water. I contacted him as instructed by the insurance company about a sub woofer that was damaged in the accident. He asked me to provide pictures of the damage in an email with a link to a reputable site that had a price. Also during this conversation i asked him if the stereo equipment in the vehicle needed to be removed and he said yes. This was confirmed by body shops when i was shopping around for them as well. Once i removed the equipment it revealed much more damage to the floor and inner rear quarter panel area.

Today i get a letter in the mail with a check for the amount of the appraisal and the amount of the towing. The letter states that the check is the settlement draft and the car needs to be repaired within 13 days of the incident and the rental car is only available for that period without out of pocket expenses.

Here are the problems...
1. when i first requested a rental they denied it until i threatened to call my lawyer
2. the draft does not include any expenses incurred from the visit to the ER, prescriptions, or anything for the $400+ sub woofer
3. I was told by numerous body shops that the insurance company had me tow the car to my house to save them money and i should charge them for storing the car
4. I was also told the insurance company should be billed for the removal of the stereo equipment (I have a business license to install car stereos so i did the work myself). It took a total of 5 hours to remove the equipment which included numerous amps, component sets, double din, kick panels, reverse camera, etc.
5. heres the main issue...the accident occurred on 11/18, i received the letter today 12/2 so it has already been 14 days since the incident occurred. now i have a check from them for the appraised body shop expenses but obviously the car can not be repaired in the alloted time because it has already passed so what if more damage is found (which it will be because the appraiser never opened the vehicle...

I will be calling the insurance company first thing in the morning but this is my first time dealing with an accident and i feel like i am being jerked around. Should i get a lawyer? I feel the car should be totaled should i fight for that? any help/advice is much appreciated.