Drunk driver plowed into our driveway at 2am & severely damaged our brand new truck & almost hit our house!!!

The Driver’s cheap insurance will only cover $40k TOTAL for ALL repairs, (including the destroyed crosswalk sign & our tree, we live next to a daycare) the truck was brand new with only 50 miles on it, we only had it 1 month, we paid $100k!!! We bought it cash!!! It may be “repaired” in their eyes but it will still be a damaged truck, not the brand new truck we payed for!!! How is this okay??? Our insurance will pay for the rest of the repairs but will raise our monthly premium as if we’re at fault for wrecking it when we were literally asleep in our bed while the truck was parked “safely” in our driveway.