You could talk to the insurance company and try to work something out.
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If you can't get the insurance company to pay your claim voluntarily, then you can always seek justice in Court by filing a lawsuit. Depending on the amount of damage involved, you can probably file in the appropriate Small Claims Court in your area, which is usually a faster way to get a result than a full blown jury trial. Good luck
Be useful if we knew what words they say the mouth uttered. Bottom line is if you have collision you can use that; if not, get two estimates, send a demand to them for payment, take them to court. In the meantime look for other evidence of who was at fault--video cameras in businesses, etc.
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