On October 14th of this year I was on my way to work after 2 weeks vacation....first day back. I was at a stop light, there were about 4 cars ahead of me. I took my foot off the brake and only just started to hit the gas when I was seriously hit from behind. The major damage was to my passenger side rear...both back and side bumper. The guy who hit me was charged...he was under the influence of drugs. He admitted to me that he was probably asleep at the wheel because he was up all night the night before. 
My car is fixed now but they were on the fence about it for awhile. The blue book value of my car is only about $7,000 and the total damage came to just under $6,000. I'm still get some massage therapy for my neck. Have not settled with the insurance company yet. Worse yet, the value of my car is now down to about $2,000. 
Rear enders are a slam dunk. His insurance should cover 100% of the repair job to your car, but others are right. I hope by now you've contacted your insurance agent. You should be entitled to a loaner car until yours is fixed.
...but it's not that. It's the total inconvenience of it. You have no mode of transportation, you probably have to take time off work for therapy (and please be careful because injuries can show up months later), you car, no matter what the damage, will never be the same again...it goes on and on, all because of the stupidity of one driver.
I'm glad that you and the baby are OK and I hope things getting settled for you quickly.
Life should NOT be a journey to the grave with the intention of arriving safely in an attractive and well preserved body, but rather to skid in sideways, champagne in one hand and strawberries in the other, body thoroughly used up, totally worn out, and screaming WOO HOO - What a Ride!
--unknown
Sometimes the most real things in the world are the things we can't see
--Polar Express
Until one has loved an animal, part of their soul remains unawakened.
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