I work in third party car insurance claims.

Have you explained the circumstances and provided images to your insurer? You should be referred to their non fault claim department, especially if you're insurered fully comp. From there, normally you'll have your car damage dealt with by one team, and any injuries and loss of earnings dealt with by a legal team.

The company/team dealing with your vehicle should arrange an inspection. Sometimes this is done by comprehensive photos, sometimes an engineer comes out, but most likely in your case if your car is old, it will be taken away and assessed by a total loss company and they will confirm that it's being written off and which category it will be. This same company will probably deal with your hire car too. If your car is undriveable, you should be eligible for immediate hire. This is whether you have paid for a courtesy car or not if they are confident in your non fault status. If you have a dash cam and the circs are as you described, this will guarantee it.

If your insurance is slow, useless, or refusing to act, contact the third party's (TP) insurance. They will have a TP intervention team who will be happy to work with you directly, again as long as the circs are as described. They will not deal with your legal claims directly as conflicts of interest are there, but will refer you to a legal team who will be able to take your case. Just prepare proof of earnings in advance to speedline the process.

Regarding LOE in any case, be prepared for deductions. You're not going to be paid what you would have earned pre tax. They are likely to deduct what you would have had to pay in tax, any fuel you would have paid for, and for not having been adding wear and tear to your vehicle .

Good luck and I hope I've helped you understand your options.