Sudden emergency is always a "possible" defense. But a seasoned trial lawyer can tell you if that defense has much merit. You will want to contact a lawyer who specializes in personal injury car wreck cases so that he can evaluate whether that defense can be overcome. If it can, her insurance would be forced to pay you
None of the opinions above should be considered legal advice, until I have had the opportunity to review the actual facts of the case.
You should consult with a local plaintiff's personal injury lawyer. Do not attempt to negotiate with the other insurance company. That rep's job is to pay out as little in claims as they can.
To recover, you have to prove the other driver was negligent. If there was a sudden emergency, then she would not be negligent. In a sense that is a defense. So you would have to prove there was some other reason she really ran into you. Was she on her phone?
This is not legal advice. You should always discuss the specifics of your issue in person with an attorney. Be aware that there are time limits on all claims that depend on the kind of claim, so do not delay in seeking an attorney.
You may have another way to go here, with a claim against your own carrier for uninsured motorist coverage based on the negligent act of the unknown party who cut off the party who struck you.
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