UPDATE: After weeks of fighting, the other insurance company finally flipped their decision 🙌
Wanted to come back and post this because when I was in the thick of it I kept searching for stories like mine and couldn't find enough of them. So here's mine.
Short version: Got T-boned at an intersection about two months ago. The other driver had a yield sign — I had the right of way, no question in my mind. She told her insurance I "came out of nowhere" and was going too fast. Her insurance did their little investigation and basically said it was a wash. Split liability. I was furious.
I filed through my own insurance to at least get moving, but I kept pushing back on hers too. Called probably six or seven times. Got the runaround every single time — "the investigation is closed," "no new evidence," the whole script.
Finally I just refused to accept that. Asked point-blank to escalate to a supervisor. Didn't yell, didn't get emotional, just calmly said I wanted to speak with someone above the adjuster level. Got transferred pretty quickly actually.
The supervisor asked me a bunch of specifics — visibility at the intersection, exactly where my car was when I first saw her, stuff like that. I answered everything as clearly as I could. She said she'd take another look.
Two days later they called back and completely reversed it. Other driver is now 100% at fault. I'm getting a rental, my car goes to my shop of choice, and the whole claim flips.
I'm not saying this works every time. But if you genuinely know you're right, don't stop pushing. Ask for supervisors. Stay calm. Be specific. It mattered.