That sucks, sorry! I have no experience with aviation insurance claims, but I would think the other party is liable for your loss and the only quibbiling would be on agreeing on a value of your aircraft and/or estimating the cost of repairs.
For me, and as others have mentioned, the O-200 burning 100LL resulting in a lower useful load and higher operational costs led me to another aircraft. While I have never flown one, I like the Ranger and seriously considered it. MOSAIC will probably fix the useful load issue but then you're...