Got rear ended by one of their insured. He admitte...

Got rear ended by one of their insured. He admitted that he was driving without his lights on well after the sun set. Said he saw me coming out of the exit, but didn't honk until right before he hit me. I'm pregnant and went to the ER to make sure my baby was okay. The other driver's wife/baby mama/whatever had the nerve to tell me I probably didn't need to go to the ER and that the baby was probably fine. The appraiser came out to my house and everything. Oh and guess what? The insurance is refusing to pay for this claim. So now I have to get an attorney to sue them. They probably calculated the claim and figured that either this kid couldn't pay it or he didn't have that kind of policy. Like others have said, if you're hit by someone with this insurance, expect a LONG wait time for a resolve or just get an attorney straight up, because you're going to be out of pocket for a while.
Adjuster's name is Gloria Andrade. She was incredibly rude and decided to try to talk to me like I was stupid.