At least she was genuinely sorry and didnt just hit and run like the guy who did it to me. Insurance companies are feeling the pinch of the economy too, so any chance they can get to screw you over, they will take. Its a tough situation, and I dont think the insurance company can be touched. you COULD demand to talk to his supervisor, or request that your claim be handled by someone else.
I have the same instincts as you. If i get bullied, I wait until the bullier turns his back and I strike back, often 10 times as worse.
In this case, the woman was genuinely remorseful and its the insurance company who is screwing you over. You could take an in between path, call the woman up, and tell her the circumstances, and ask if shes willing to split the cost of the repair with you.
that way you dont incur the full cost, you dont have to bully her, take her to court, or anything else. You will still have to pay, but you are asking her nicely to help you out.
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