Sorry for the loss.
This video more likely does not help OP's case. The insurance agent and CHP's expectation seem to be correct.
However...whether OP should've been able to avoid or not is somewhat up for interpretation... fact is the broken truck was sitting on the left lane, around a bend, w/o hazard lights on (instead of the right shoulder which would give much better visibility and space). The truck owner DID NOT do all that's necessary to try to avoid potential collision.
Assuming OP was traveling at a safe speed, why should OP bear the whole cost? Afterall, OP did not cause the hazardous situation, the broker truck's position did. So, like others have said, shut up and lawyer up.
Quote:
Originally Posted by zeeder
not to mention the fact that you shouldn't be cruising in the left lane.
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OP could easily say staying on the left lane was in anticipation of the merge (end of video shows a highway entrance merge sign), to avoid last minute lane change in a wet condition.