Legal Question in Insurance Law in Pennsylvania

4 Car Collision

A Dodge darted from a side street and hit a Cavelier on my road (the main road), spinning her around. I was sitting in traffic at a complete stop, caged between two other cars so I had no where to go. She stopped spinning then came at me. She hit me in the driver�s side, totaling my car, then hit the BMW behind me. The Dodge lives in sub-city housing and has very limited coverage (about $5,000). My agent is telling me that they will end up splitting the $5,000 between me and the two other cars that were hit. However, they won�t split it fairly. Since my car was the oldest they are now telling me I will only get 10% of it�s worth which may end up to be $100 (if that, because my car was a 1984 OldsMobile Firenza) plus I am now responsible for paying the impound bill which is $500 at the moment and still rising. I have to get rides, not enough for another car from them now, no rental, plus I was injured during the crash and dealing with my injuries. I asked my insurance agent if the man who drove the Dodge that started it all has nothing, then can I sue the woman driving the Cavelier he hit who hit me? But he doesn�t want to hear about it because it turns out she happens to have the same insurance company I have. What can I do?

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