[IROC]

Personally, I would be totally honest with them but go into the conversation with the idea that this was not your fault and you don't have to accept less than what you're entitled to.

I have been hit twice over the years and in both instances the other dirver's insurance company did everything they could to get me to settle quickly and cheaply. Very painful experiences, needless to say. These people couldn't care less what is "right" and about the fact that their client caused you to sustain a loss. To them it is almost a game (IMHO) to see how cheaply they can "get out of it"...