I went through this exact same situation 2 years ago. My insurance company went pitbull and had one of their lawyers call. There was no fight, bad drivers company just said OK we'll cover it.
What others have said here is correct, every insurance company tries not to pay. Your insurance company won't want to pay so its their job to protect you and they will. Most people just say oh well and go along with it. Add all those "what can I do" folks up and its a nice savings in a bad economy. I'm betting your insurance company will get this done for you. Good luck I know how it feels and it sucks!
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2009 370z Sport/Touring- GTM stage 1.5 SC/ Fast Intentions HFCs/ DC sport headers/ Motordyne M370/ Invidia CBE/ Carbon Fiber Element interior & engine bay accents/ Oil Cooler/ Eibach Springs & Swaybars/ UpRev/ Work Gnosis GS4's/ Z1Rotors/ ONEighty Custom Headlights
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