If the police report shows that the defendant is clearly at fault and you are not, the defendant's insurer normally will pay your cost of repairs and provide you with a rental car while your vehicle is being repaired. If your car is totaled the insurer will pay the cash market value and take title to the salvage. You should be able to obtain the rental car and property damage settlement without a lawyer, or without attorney's fees if you do have a lawyer. It is important to keep photos of the damage to your vehicle to show that the impact was hard enough to be the cause of your injury.