Thanks, yeah, I'm trying to fight it, but it's tough when NO ONE from the other company wants to talk to you and even tell you why they ruled it that way. I mean, sure, if you want to put some blame on me for not being psychic, okay. What I don't get is how I could be 100% at fault for it given the police report and the impact area. My insurance company says they can go to arbitration and try to solve it that way.