Sorry to hear.

I'd make the argument that the $10,000 will cover both the deductible AND any diminished value. Any repairs will be in excess....

You need to get a copy of you policy. Do you have an attorney you trust? Definitely too early to start that, but just to be ready.

You might reach out to a Diminished Value appraiser (there are a few websites) and see if they might give you some thoughts on strategey.

I like the idea of verbally telling the adjuster- at their 'inspection yard'- that if the car is not totaled, the fact that this car will have A and B pillar damage (on a pristine, previously CPO certified car) will probably mean a diminished value claim of 7-9,000 and that you plan on going after the other policy for that..... signaling this in advance might 'help' them with their decision making.... Once they are set in a decision it may be harder. If they say "Oh, your collision doesn't cover that", just say "I know- but my attorney tells me we can claim the DV against the other driver as a pure liability claim"... just 'keepin it light'... ...no big argument, if he comes back with more, just say "well, you do what you have to- we'll see where this goes once you guys make a decision".... The trick is to ACT like you are in control, and ACT like you are not worried....



Just thinking out loud here....

Best

A