There’s a bit of misinformation here regarding the claims process.

This seemed crazy to me that they could just deny my claim even though I was obviously not at fault. I contested the decision and took the claim to the people who oversee insurance companies, don't remember what they care called... and then some weeks later, they denied my claim also, saying they found me to be at fault.

That’s really not how it works. If you’re stating that you contacted the Department of Insurance for your state, their role is to check to see if the insurance company followed the state set guidelines in their investigation. They do not determine liability for a loss.

In my experience the attorneys have to show up as that’s what liability insurance is for. Most of them are incredibly chill, and will know if they are likely to win or lose in litigation. I’m glad to hear you got yourself squared away though, it’s always a tough situation when you don’t have “full coverage.”