Hi, I was involved in collision where I was cited for failure to yield. My liability insurance fixed the other guys car but only paid for a portion of his car rental while his was being fixed. My insurance company said that he rented a car from a place that they don't have a special rate with and that he paid a non-market rate. Now the guy I hit is asking me for the difference ($600). Is this a common occurrence or expected behavior from the insurance company? I asked the person I hit to call my agent directly and if it didn't work out to his satisfaction to contact our state insurance commissioner. My agent told me a bunch of things that sort of went over my head. It sounded like "blah blah blah, we're not going to pay. If you wanted us to have your back you need an umbrella policy." What would you do?