Wow, you guys must have had some bad experiences in the past. I have been more fortunate.
I was driving along and some old guy tried to change lanes and hit my front quarter and his back quarter. So he tries to blame me, I tell him to get f&*^%. Get home call his insurance company (I said I have no insurance) and gave them his details, they said we'll chase it up. They call me back and they say its my fault, I ask them to put me on a three way conversation with the doosh, so they did, by asking him to explain what happened and me careful choosing my tricky tricky questions I nailed him with the insurance rep listening. Boom baby. Haha.
But seriously, good luck man, hope it all works out for you. And at least you have pictures. They will save youre ass.