The car wasnt totaled, you dont deserve to pay that shit, in my accident, my car was totaled so when i got the salvage title back, they stopped paying on my rental, in essence they were done w/ the case, they werent done w/ your case because you didnt have your vehicle back...IMO...insurance companies, especially when you arent at fault, you get fukd all sorts of ways. Get a lawyer if you feel the need because they will give you teh run around, all damn day