Okay so I have a new vehicle, and I decided to use Root Insurance. Usually the insurance websites automatically add comprehensive and collision when you state it's financed. So I thought it had. Anyway, it was liability only. Now last week there was a hailstorm and it did some damage to the car. Not hardcore but it js noticeable up close. What can I do? All I can do is fix it right with my own money? Will the bank go after me? I'm just so lost right now any advice would be appreciated.

Hello! I was in a no-fault accident pm 2/25/25. The lady ran the red light and hit me. Here's the thing, my car is a 2023 outlander PHEV (57k miles) that just came off the lot and still had temp tags. I had the car for two weeks. Market value for my car states anywhere between 28k-32k. I called around to local banks as well to make sure I wasn't wrong in my numbers. Root insurance is only wanting to offer me $23,660. My car was in EXCELLENT condition considering it just came off the lot yet they listed it as Average. Additionally, they have forgone alloy wheels on the report for what ever reason. Am I able to dispute this? I already consulted a lawyer for the personal injury portion.