@babygems I am a property claims adjuster and have handled a similar situation where a neighbor’s car in neutral clipped a gas line and then ran into the garage. It caused a nasty fire to that home and neighboring homes were damaged from the heat.
File an insurance claim and make sure to provide as much info as possible, including a police report number. You didn’t do anything wrong here so you should not have an issue of coverage. If your limits are low you can go after the driver’s liability policy for the excess loss, but this will require an attorney to be done correctly.
Insurance companies do not make money by paying claims correctly. They train their adjusters to delay, diminish, and deny. They do not want people to use the product that they sell so they fight tooth and nail to mitigate their exposure. This is all going to boil down to who is assigned to handle your claim and the level of authority/autonomy they have internally.
Find someone in the local insurance industry who can guide you through the claims process. An insurance contractor will know how to write estimates that your insurance company can process, and certain contractors know the adjusters/politics on the carrier side.
Public insurance adjusters are licensed per state to assist homeowners in claims. While they can be a great resource, it is of the utmost importance that you vet them.
Good luck