1) Check if your state subscribes to the Uniform Fair Claims Settlement Practices code. If so, then there are prescribed conduct and rights outlined in the code.

2) Don't like the offer from the carrier? Then the burden is on you to prove what the "actual cash value" of the vehicle is, to make a reasoned counter-offer.

3) Can't get no satisfaction . . . small claims court against the owner of the other car. Remember, your statute of limitations clock is currently running.