Big Rig - demand that your insurance company show you a copy of the police report. In all likely hood they never even requested a copy. Then ask how they can determine how you are at fault without even seeing the report.
My old insurance co scammed me after I was cut off by a courier. He came into my lane and hit my front quarter panel. The agent even lied to me and said the police report said I was at fault. Later on when I requested a copy, I found out it was never even ordered. They had to refund the deductible with interest.
No doubt that lots of people are trying to scam the insurance cos but now it seems like they are turning around and scamming their customers as well.
Make sure you record all the calls and let them know the calls are being recorded. You should also take pics and video of the accident scene when possible. If all else fails ask for the ombudsman.
