I had my car parked at son's preschool and another mom hit it this winter. The other ins co admitted liability as per MN law RE accidents involving parked cars on private property. Car was repaired by small bodywork place and they never checked AC and they don't even do HVAC work. As it got warm, we noticed AC had failed. We put more freon in last wk and found out there is a leak next to site of crash. Ins. co wants to send adjuster to look at car as they don't think it is from crash, but we have no rust or corrosion on our car that would otherwise cause leak. What can I do if adjuster says no to paying for our AC? I don't think there is any way that they can prove that the crash didn't cause the leak. Is the burden of proof on us or them?