3 months and no settlement for car- Farmers CA.

An 84 year old neighbor in a hurry home to see Dancing With Stars crashed into 3 parked vehicles. We both have insurance and thought we would be covered-HOW WRONG WE ARE>>>THERE IS NOT ADEQUATE COVERAGE TO REPAIR MY CONVERTIBLE MERCEDES-BENZ- ITS DENTED FRONT AND REAR (STRAIGHT FRAME) AND FARMERES WANTS TO TOTAL IT -BECAUSE THEY ARE TO CHEAP TO FIX IT ! OH AND THEN GIVE ME A SALVAGE TITLE. I BOUGHT THE CAR BRAND NEW AM THE ORGINAL OWNER , NON-SMOKER , GARAGED AND FULL LOAED SPORTS PACKAGE EDITION.
THEY ONLY WANT TO GIVE ME BLUE BOOK WHICH IS NOT ENOUGH TO BUY ANOTHER CAR. THE SAME FULLY LOADED SPORTS PACKAGE IS SELLING FOR $14,000.00 (DOSENT HAVE amg wheel or michellin pilot sport 2 tires) TO 20,000.00 . FARMERS SAYS $8700.00 TO $10,700.00.
MY AGENT SAID THAT FARMERS HAS TO PUT ME BACK IN MY CAR OR ONE SIMILAR, THIS PUT ME AT EASE. NOW HE DOSEN'T CALL ME BACK.
DO I GO AFTER HIS ERRORS AND EMISSIONS POLICY FOR FRAUD AND MIS-REPRESENTATION? APPARENTLY I DON'T HAVE ADEQUATE COVERAGE........
I FELL LIKE I AM INSURED BY A THIRD WORLD COUNTRYS COMPANY. NOT AN AMERICAN COMPANY WHO TAKES CARE OF ITS CUSTOMERS. I HAVE MANY POLICIES WITH FARMERS HOME ,EARTHQUAKE, AUTO, INCOME PROPERTY TOO.
WHY BOTHER WE SHOULD ALL GO WITH THE MINIMUM COVERAGE AND SAVE OUR MONEY FOR THE UNFORTUNATE ACCIDENT WHICH BY THE WAY THE CAR WAS PARKED WHEN IT WAS HIT.