you should set down and call every attorney in the phone book until you find one that's hungry enough to help you. I was in the same situation you are with a motorcycle accident. it wasn't a hole lot of damage but the ins.co. was giving me a hard time. my lawyer got my money for me and his fee also. about 5 times more than if they would have been fair with me. you did NOTHING WRONG in this situation, you should not have to pay anything out of your pocket, nada, nothing, zilch. find an lawyer that wants to help you, most will do the first visit free.
Jay D.