So a lady drove up my driveway and rammed our garage door. Completely mangled it and totaled my car inside. I rent the house and own the car. The 3rd party insurance is saying that this is one claim so the home owner(not me) and I are sharing a claim? These doesnt seem right because this means we have to split whatever the minimum liability is. It is also delaying my auto claim since the home owner is taking his sweet time (long story). What can I do about this? Are there any laws governing cases like this?