Dispute settling a car accident with an insurance company car?

I was involved in a car accident in which the other party has admitted that he committed a foul. The police report also confirmed that fact. This accident happened in San Francisco, CA. The other party comes from Israel and was renting a car from Alamo Car Rental Agency. Alamo referred me to their car insurance provider the rental insurance St. Louis, MO. After contacting them agreed the adjusters from the insurance company to pay rent only 25% damage. Where do they get that percentage? Can I ask? What should I do?

If you have a full and comprehensive insurance on your vehicle, your insurance should do all the work.

Car rentals are known to hinder, prevent the payment, etc.
Have your own insurance company to negotiate with them.

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