Advice: Cop Distracted by Coffee Totaled My Parked Car

At the end of last week, a cop was driving through my neighborhood in the morning. My 2014 Honda Civic (109k) miles paid off was parked on the street in front of my home a bit behind my boyfriend’s car also on the same insurance 2013 Toyota. There is a four way stop sign a house down and the speed limit is 25 mph. Per the police report the officer was not speeding (i doubt the validity of this) but sustained a head cut and was taken to the hospital, no air bags deployed.

My boyfriend was working downstairs and heard the crash and saw the officer and spoke to officers who arrived within a few minutes. I was working in the loft and didn’t hear the accident but was downstairs within a few minutes. The cop hit the back corner of my car with the front corner of his vehicle pushing the rear end of my car over the curb and fully onto the sidewalk and into the rear of my bfs car. When I was investigating the scene I noticed a substance across the cops windshield, the cop in charge of investigating validated it was coffee which the cop was distracted by. My car was towed away to the police tow lot and instantly determined to be a total loss by my insurance as well as the accident being no fault as the government is not liable due to immunity 🙄. It was taken into possession by insurance today from the tow lot.

I have not received an estimated payment but my bf has a check coming in the mail for the estimate of his damage. I have 5 days with my rental car which I picked up late to try and have some cushion and am under the impression once I’m paid out I will have to give the car back in a day or two. I have called my total loss adjuster twice and haven’t heard from her but have from the people taking possession of the car from the police lot. I have begun shopping for cars but don’t know how long it will take to be paid out and worried it won’t be enough. As the KBB value for the car is 8-10k and comparable comps mileage wise in my area are 12-14k.