? Regarding Total Loss that Wasn't my Fault

Hi. I'm new here, and I am from Tennessee. I recently was rear-ended by a driver that was charged with DUI and Reckless Endangerment. My car was a total loss, and I have some medical issues.

The insurance company has offered me far less than I can replace my vehicle. I will be out a couple grand to get the same car with like miles. I don't feel I should be out anything, but they say it is there one and only offer. Is this normal? Everywhere I have read has said never to accept the first offer. It has been 5 days since they offered me the first offer which I refused, and I haven't heard anyt
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