Its a good thing you didnt get hurt in the accident. Is the insurance comp covering you for the time and inconvenience associated with not having a car? I would be really annoyed if i had to spend my unreimbursed time shopping for a new car and all of the time on the phone with car rental, repair, towing, insurance, etc. im sure there were plenty of other activities you could be doing besides being hassled with all of the details. I would definitely point out how many hours it has cost you and what you get paid an hour at work, and i would insist on being reimbursed for towing costs. Thers no reason you should be out of pocket for that when it wasnt your fault.