I too had a similar experience about 3 years ago. I got rear-ended by a semi truck on the Dan Ryan expressway in my Xterra.

The trucker was 100% at fault and the trucking company's insurance was extra nice to me. They kept asking if we were ok, if we went to the hospital, etc etc. And they didn't bat an eye at covering any and all costs, including rental car, work on the Xterra (took over a month to fix and ended up costing about $6000). I guess they figured I could sue the pants off them if I wanted to so they did not question any of the things I wanted paid for.

So, insurance can be good in situations where you are not at fault. Anyway, glad you are getting it worked out.

Bart