This is a bizarre situation. Free loaners are sometimes provided by dealers or shops while a personu2019s vehicle is being repaired, but the borrower must sign a quasi-rental agreement. Such agreements usually require that the borroweru2019s auto insurance is primary. If the borrower had no insurance, the loaneru2019s policy would apply.The easiest and quickest way to get your truck replaced would be to use your collision coverage. Your carrier will then pursue reimbursement of its payment and your deductible from the responsible party. You donu2019t need to worry who the responsible party might be. Let your insurance company do all the work.If you do not have collision coverage and if no carrier steps forward to handle your claim, you may have no alternative than to file suit against both the owner and driver of the vehicle that hit you.In the meantime, if your truck is accruing storage charges where it is sitting, move it as soon as possible. Start looking for a replacement vehicle also.