[Cecil Terwilliger]

I don't have any real advice but a similar anecdote.

Woman hits me (would you believe it was an asian woman!?!). We both file police reports. She admits fault at pretty much every step of the way.

When it comes time for her insurance company to pay, they refused claiming she wasn't at fault and saying that her statement to them claims she wasn't at fault. All this despite the fact she admitted fault in her police report.

Eventually her insurance company paid. I think, memory is a little fuzzy it was almost a decade ago, that my insurance company got involved to fight for me because they don't like paying out claims.

Just to clarify that last sentence, I mean my company fought the other company on my behalf because otherwise I was going to make a claim and despite the fact they could have jacked my rates, they don't ever like having to pay and as such helped me make the other company pay.