Also why you never talk to cops. Off topic is spoiler-ed and I put a funny pic at the end. Their whole jobs is to give a ticket/convict, not to prove if you're innocent. By default if a cop says so, you're guilty, it's on you to prove you're innocent. Innocent until proven guilty is the exact opposite to reality when you deal with law enforcement.And that is how your insurance company thinks.
You don't like it, get a lawyer. They'll prob allow you to rack up bills and then give you your Policy document where you said the insurer has 100% control of claim administration.
Insurance: better odds than Vegas. But not for you.