Hire a lawyer. It sounds like this situation has gone beyond your ability to negotiate and deal with the insurance company on your own. You are trying to negotiate in good faith and it sounds like they are not.
Seek out a free consultation using the AVVO "Find a Lawyer" tool bar and select an experienced attorney who practiced Insurance law to give you a free consultation and to properly advise you on the law and your rights.
As stated by the other lawyers, you need to hire a lawyer to assist you to get a resolution. I would also suggest that you file a complaint with the Arkansas Insurance Department for failing to treat you fairly. You can find the department by going to the State of Arkansas website which is very user friendly.
This answer does not create a attorney client relationship and cannot be relied upon as a legal opinion as there are too many unknown facts to this matter to render an opinion at this time. Campbell & Grooms, PLLC http://www.campbellgrooms.com