Stupid Insurance Company!

I can’t be more than 2 hours without a vehicle – kids have to get to and from school, therapy, after school programs and on and on and on.
A woman rear ends me. Nice lady. No one is hurt. Thank God no one was hurt. Her car is totaled – does that tell you how hard she hit me?
My insurance company assures me that her insurance company “Vermont Mutual” is going to handle everything.
They will pay for everything, get me a rental, blah blah blah.
Vermont Mutual calls me. Their guy, of course, has a different spin on things.
“I‘m not going to give you a rental – we have an adjuster who will come out, survey your vehicle and tell you how much we‘re going to pay for it.”
My question is, unless he puts it on a lift how is he going to know what it needs done?!?! Since the accident it’s been shaking like crazy. I’d like to know how he’s going to survey that kind of damage from my driveway?
I know the insurance company doesn’t want to pay for anything they don’t have too, but I’m not claiming whip lash, emotional stress, nothing except the fact I want my truck fixed and I can’t do that without a rental vehicle.
It’s a 13 year old truck – it’s going to take them forever to replace the bumper and anything behind the bumper that was damaged – Remember they TOTALED her car!