When a car is totaled and the other driver was at fault, does their insurer settle with me or only with my insurance company?

Question Details: My car was hit and totaled on private property. The other driver was determined by their insurance company to be at fault. My insurer valued my car for less than what I still owed on car and I have filed a GAP claim for the remainder. What I don't get or understand is why I am out of a car. The insurance company gets paid for whatever they paid out for my totaled car from the other insurance company and all I get to due is go out and get back in debt for another car with the finance company for someone else's negligence.

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