<human>: First and foremost - 

1. I was not injured in the accident.

2. I do not have GAP Insurance on this car.

I was recently involved in a car accident in which a giant iron pipe fell off of the trailer of a pick-up truck on a small road. The pipe fell right in front of my car and I slammed into it without any chance to hit the brakes.

The exterior damage was minor and looked like a fender bender, but after the insurance company looked at it, the interior got torn apart by the pipe and they claimed it a total loss. ($9800 worth of damage).

I opened a claim with my insurance company and they have provided me with a rental car for the past week and they offered me $11,623.84 minus 500 deductible. The pay off for my car is $13,906.23, so a $2,282.39 + $500 difference.

I contacted the opposing insurance company today and it appears a claim was never even opened up by the guy with the pipe so I'm awaiting a call back to open my own claim with them. What can I do to get them to pay me the difference so I'm not screwed in this situation?

Give me a shortened version of the text
<bot>: A guy carelessly tied a giant pipe to the trailer of his truck and it fell off and totaled my car. Insurance isn't offering what I need to pay off my car. What can I do?