r/InsuranceClaims

My boyfriend and were in a car accident last night. We were heading home from a relatives and a car was driving super fast behind us and hit the passenger side bed of our truck. We slid and spun to the right side of the road (thankfully) but the bed of the truck was pretty much totaled. The driver that hit us also hit another car in front of us and totaled their car as well. We are okay thankfully but we had to have our car towed. The driver that hit us ended up getting out of the car and kind of wandered off but I think he threw an alcohol bottle. He seemed intoxicated. He ended up being taken to the hospital with his girlfriend. We weren’t able to get their insurance or drivers license. But we did get a picture of their license plate. The police were called and they told us we would have access to the report in 30-60 days. They called their own towing company and told us it would be taken to the pound but I didn’t want that to happen cause I didn’t want to have to pay the fees and hassle of getting it back especially since it’s not drivable. We ended up paying the tow truck that arrived to have it dropped off at our house. I filed a claim through our insurance but I do not have collision coverage for the vehicle. Our insurance said we weren’t at fault but they don’t cover anything. No rental or damage repairs. Since our truck is totaled I’m not sure what to do. I needed to use that car for work since my car has been having issues and is shaking a lot and I was going to save up to have it fixed. Now I don’t know what to do. Will I have to just assume all repairs?

Long story short, I let a friend drive my car and he crashed it into a tree. The car was written off and I ended up in hospital with multiple injuries, while he walked away mostly uninjured.
I deeply regret letting him drive and I’ve blamed myself a lot for that decision, but I don’t think that means I should be left dealing with everything alone. Since the accident, he’s basically disappeared and stopped responding.
The accident was reported to Victoria Police, my TAC claim has been accepted, and the car was comprehensively insured. I’m currently unable to work because of my injuries.
Legally, I’m trying to understand what happens if the driver simply refuses to communicate. Do I need to pursue him personally for any losses that aren’t covered by TAC or insurance? Should I be speaking to a personal injury lawyer, and is there anything I should be doing now to protect my ability to claim compensation later?
I’m on a Working Holiday visa and don’t have family in Australia, so I’m trying to navigate all of this while recovering. Any guidance on how this normally works in Victoria would be really appreciated.

If my total loss settlement agreement that I signed was higher than my policies liability limit, am I entitled to the entire amount? For background this is my first time dealing with car insurance. I was given a total loss settlement agreement for x amount. I signed all forms and was awaiting the document to be paid out. Then the car insurance company realized their mistake and said I am only entitled to x amount because of the policy limit. Since the contract was signed for the original amount, can I argue that or do I just accept the limit?

Thank you for any help with answering this dilemma.