Ana, as GLB says go to the captain and plead your case. Or I would go to MY insurance and tell them, "I cannot accept the charges and to deal with the other party insurance and get my vehicle repair to the fullest or pay me full value of the vehicle, also I do not mind going to court and put my case through. I would also put it in the NewsPaper about XYZ insurance being a fraud and publish my experience."
You have comprehensive insurance, so if you damaged your vehicle, your insurance firm would pay for your repairs completely, however since a third party has damaged your vehicle, it is the third party who has to repair your vehicle completely since it is not even 1 year old, complete new parts have to be used or if it is totaled the 3rd party has to provide you an financially equal vehicle.
Fight for your right.
Ana, as GLB says go to the captain and plead your case. Or I would go to MY insurance and tell them, "I cannot accept the charges and to deal with the other party insurance and get my vehicle repair to the fullest or pay me full value of the vehicle, also I do not mind going to court and put my case through. I would also put it in the NewsPaper about XYZ insurance being a fraud and publish my experience."
You have comprehensive insurance, so if you damaged your vehicle, your insurance firm would pay for your repairs completely, however since a third party has damaged your vehicle, it is the third party who has to repair your vehicle completely since it is not even 1 year old, complete new parts have to be used or if it is totaled the 3rd party has to provide you an financially equal vehicle.
Fight for your right.