[JustSayGo]

I am surprised that your insurance company told you to talk to the other vehicle owners insurance company. The owner of the other vehicle is responsible for insuring his vehicle and who he allows to drive it. Laws are different from state to state but in many cases even if the owner says the car is stolen he is still responsible if the driver has his keys. At this point tell the other insurance company that you need a rental car delivered now until your car is repaired or replaced. Don't accept a rental car that is smaller or pay for an upgrade. They will probably try to put the rental car off as many days as possible. You should not have paid for towing or storage. Keep your money in your pocket. You are inexperienced. The insurance company knows what to say to people in your position and practices every day. You should not have told anyone that you are not injured. You may be sure that you are not but may discover that you are in the future. About 12 mos from now the other insurance will offer you some money to sign a release saying that you were not injured and will not make an injury claim in the future even if you never go to the doctor. If you find yourself letting the insurance company tell you how it is and not putting you back in the same position you were in before their client hit you, talk to an attorney who will get you what you deserve without having to pay.