There's a couple things to think here. First, although you have comprehensive coverage
, this wouldn't apply to this situation because another vehicle caused the accident. Comprehensive applies to incidents like animal damage, theft, and vandalism. Another thing to think about is the depreciation factor. Cars depreciate the moment they're driven off the lot and continue to afterwards. Moreover, because of the way car insurance policies are written, your pay out and the value of your vehicle going forward will factor in depreciation. That's simply how car insurance works. Here
is more information on what to expect from the claims process.