I'd call a ticket attorney or go to the local court and speak to the clerks in the clerk of court office.

DO I have to go to small claims court if my insurance company refuses to pay the other party for an automobile accident?

Go to court and testify as you state here. This happens far too often. I would say that you could and should write your company a letter telling...

Can I get help with this matter? I believe the state has may have a court date set?

And your question is? Go see a local ticket attorney.

She did. Florida has had a lot of over prescribing done and many pill clinic disasters. Doctors here are leery of prescribing pain meds.

I'd ask that divorce attorney of yours about this, after paying them thousands I'd think they would give you a break. Good luck.

Who at fault?

It doesn't matter what I or anyone but the adjuster thinks. The cop was not a witness so their ticket has little weight. If you have collision...

They will do nothing. It's up to you to provide the court with a paper copy.

What Kind of lawyer do I need and is it absolutely necessary?

You are going to need an attorney, go get one.

I have pet insurance underwritten by a reputable, national carrier. 45 days after claim, they are still "reviewing" it.

60 days is the general rule to investigate. Send them a Proof of Loss that will trip a 60 day time limit. Or file a Civil Remedy Notice online.

Report the accident to the cops and your insurance. Next time that guy calls tell him to speak to your insurance company and hang up. Good luck.