Humble Opinion:
Sadly, in 2013, right or wrong does not matter any more with most U. S. citizens, & morals do not matter any more with most U. S. citizens today either.
If one has insurance, there are some greedy reptile type lawyers who are going to sue to get insurance money no matter what.
Its like a gambling game today, similar to going to the court house to play the Court House Cash Register.
These maggot juice lawyer types make all of the other lawyers look bad; however, many honest lawyers do not agree with these legal money grabbing thieves -- they already know who they are in every community.
The insurance company looks at all of these law suits strictly like a necessary business decision to remain in business:
a. Option 1: Is to hire good lawyers to go to court to pay thousands of dollars to prove that their client was right; or,
b. Option 2: Settle out of court for a lot less money, even though they know their client is not guilty.
c. Option 2 occurs more than 90% of the time & clients are never happy while knowing they did nothing wrong.
Like so many other true American patriots who see what is on the future, Un-United State's horizon with our current U. S. lying leaders acting like dictators, I just continue to try to encourage others to exercise their right as citizens to vote, & vote wisely.
The MAFCA officials & all of the MAFCA members know deep down that MAFCA was never guilty for the careless act of any vehicle driver.
Just had a somewhat similar experience -- fact of life -- just learned to live with it.