I got rear ended in February. The other driver was speeding, driving while under the influence of drugs, and was arrested on scene. Initially the other insurance company told me they won't take responsibility and claimed it was my fault because I cut him off. I didn't cut him off. I sent them the police report and they said it had no merit because the police got there after the accident happened so they don't know what happened. Three weeks later they sent a appraiser out to look at my car. He told me they would cover everything including a rental and I have an email saying all I need to do is bring his estimate to the garage of my choice and it will be taken care of. I brought my car to the garage and now they told the garage they haven't taken fault yet and are still investigating.