From your update, I can see the insurance company covered only part of the expenses. A few years ago, I accidentally hit a pole when I was backing up in a parking spot. I was very young and naive and when the insurance offered less than half I needed to fix my car, I wanted to accept, as I felt guilty for not being careful enough. However, my uncle who’s a car accident lawyer at Top Houston Car Accident Lawyer-Pusch & Nguyen PN Law Firm looked at the contract with my insurance company and found I had something called a collision insurance, which meant that my insurance should cover the entire costs of the damage done to my car. Thank God my uncle helped me solve the problem quickly and without much stress.