I dont think I should be special. I think EVERYONE deserves this money when in a not-at-fault wreck, and it is sickening that I have to fight to get it, when it is clearly owed to me by the person who did financial damage to me out of their negligence.

This has nothing to do with my specific car. If some idiot on a cell-phone comes out of the blue and screws up your life, anyone in that situation deserves to be made whole. I am merely stating the particulars of my situation in my argument to Allstate. I am not excluding everyone else who also has a full right to be made financially whole when someone causes them financial hardship. I plan to trade or sell my car immediately, however, I can not do that without this supplemental money from the insurance company or from the negligent driver, because I now have a car that's worth less than my loan, after I put a large sum of money down to purchase the thing and be assured of being "right side up".

So yes, you are missing something in my argument.