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@Aroogah
Sorry to hear about your accident - Have a look at the following. I appreciate that it is well after the fact now but some of the information may be useful.
http://www.lfgss.com/thread4213.html
Also - insurance companies are dicks.
Don't take is personally.
Be firm, be polite and don't be scared of their tactics; they are trying to get you to back down to get out of paying anything.