My exgirlfriend got hit by a car in her condo parking lot, got a police report and everything, completely the other person's fault. She (and I) fought the insurance company for months because the guy claimed he didn't hit her car, even with photos and a police report. She ended up giving up because she fought it for months and made ZERO progress. Just wasn't worth fighting over.

Car insurance is the biggest scam EVER, quickly followed by home insurance. And now health insurance is mandatory. AMERICA FUCK YEAH! The insurance companies sure are quick to grab your monthly payments, but getting any money back is like trying to squeeze water from a stone.

Good luck man. Wish I could say I think you're going to get an easy win because it truly wasn't your fault, but get ready for a long frustrating battle.