Ok. Some clarification.
If at fault driver has minimum limits, it is 15/15/10.
Maximum of $15,000 to any one person for bodily injury;
Maximum of $30,000 for ALL people injured;
$10,000 for property damage.
So, if you were the only one hurt, you can get up to $15,000 for your injury claim and your share (pro data) of the property damage coverage.
Essentially, you are correct.
You should not have to pay a cent if all of your information is true.
That does not mean however that the insurance company for the other driver won’t try to bend, twist and change the facts to try and make it look like you were at fault
In my opinion, you should consult with an experienced PI attorney in your area as soon as possible.
A person has the right to sue police officers for a wrongful death, but there are very specific time frames to do so.
Given the fact this occurred almost a year ago, you should seek the advice of a Phoenix lawyer experienced in police shooting cases, as soon as possible.
It is not unusual, but what is your lawyer doing about it?
The adverse insurance is not required to make a claim determination. Ever. They can ignore you if they want.
That is what attorneys are for. If warranted, an attorney working for you can file a lawsuit and MAKE THEM come to the table.
Ask your attorney: What are your intentions here?