Personal Items damaged in Not-At-Fault Accident
We recently got in an accident where it was deemed a not at fault Total Loss by TDMM. During the claims process (they have paid out a settlement already), they said that only the car, specific articles of clothing, and injury that was covered.
My wife's iPhone (11 Pro) was shattered from the airbag knocking it out of her hand, so we asked about that, but they said it wasn't covered? It's a little awkward that this wasn't a covered item.. is this due to the car being a Total Loss? And, now that I've received the settlement payment for the Total Loss, does that waive my rights to any further claims?
If insurance isn't going to pay for the repairs, do I need to sue the other party directly for these kind of things (among other financial losses we've incurred that weren't covered)?