Guy Dui Destroyed Our Car, His Insurance Unlikely To Cover It And We Only Have 3rd Party.

Somebody crashed into a car whilst on drugs and alcohol and because of this, his insurance is unlikely to cover the claim. We have had to rent a replacement car for a short period of time and the rest of this time gone without a car but do need one and can't afford one.

We are on the same insurance as this company and our insurance advised us that if his won't cover it ours will up to $5,000 which is not enough money to cover the cost of repairs or a new car so we are hoping and waiting for his insurance to cover it. In the meantime, any companies that provide replacement cars and then forward the bill to your insurance refuse to cover us also.

My next step is probably advising The guy DUI to settle out of court and call his bluff and threaten to go to court (which we actually can't afford)

What are my best options here? How can I get a replacement car in the meantime? Is it a case of saying something to insurance and demanding one or am I stuck waiting?

For your help, I'm very grateful.