wrecked 03 4.6is

[NY034.6IS]

i don't post much but i'm on here reading alot. here is my story last saturday when my wife was taking one of the boys to basketball. some a hole in a truck decide to try and beat the light. he didn't and stopped with the X5. everyone is fine but the truck took a nasty his to the passenger door the fender and suspension. the curtain airbag on the pas side blew. i send the truck to the shop the estimate was around 14k. i just got a call from the idiots insurance saying he only has 10k in insurance coverage. so now i only get 6k because he hit another car. the 6k will only cover the parts. so what do i do my truck only had liability since it was paid for and they wanted 3k a year to ins. alot more than my vette. so i when with liability. after i try suing the guy and his company i will part out the X5.