The insurance company is required by law to make you whole. It should be covered under comprehensive coverage. If they won't cover it you'll need to hire a lawyer and sue them. Just make sure you keep all paperwork where they denied your claim. They will probably try to settle out of court for repair of the damage minus your deductible court costs and attorney fees. Don't take that offer make sure it goes to court. They will lose their asses in court and they know it. They will have pay to repair the damages, your attorney fees, court costs, lost wages, and in some cases punitive damages. They will probably cancel your insurance afterwards but they will have to pay, the trick is to get new insurance with another company and then cancel them before they can cancel you, otherwise your insurance will be higher and you will have to pay for a vehicle inspection. After everything is said and done you can also go to your state's insurance commissioner and file a complaint, which will be easy to investigate since its been to court. The insurance commissioner can revoke your agent's license, or fine him for noncompliance.