Legal Question in Insurance Law in California

Tender your claim to your own insurance company. They will then collect from the other driver and vehicle owner. It's not your problem.

You can turn this in to your own insurance company as a collision claim, if you have collision coverage on your car. You can pursue the driver or owner of the car that struck yours in small claims court. Meanwhile you can remind the insurance company for the responsible person that they have obligations under the California regulations governing insurance company claims handling. Another choice is retaining an attorney to pursue this case on your behalf. The problem there is that unless you have an extremely high value vehicle with major damages, the costs of retaining an attorney will almost certainly exceed the value that attorney is chasing on your behalf. Don't forget when you present your claim that you have a component of your case called "loss of use." This means you are entitled to the value of your car for the time period you were not able to drive it.