Batmanhush

Also a claims adjuster here, our job is to find out who is at fault, regardless of whether it is or insured or not. It's not in our insured's best interest to deny a claim that we rightfully owe, as that then opens them to personal exposure, i.e. being sued. If the facts show we are at fault then we pay, if they show the other guys are at fault then we don't.

Well, you can place partial blame on the person going straight based on points of impact, the speed limit, whether the driver going straight was patting attention, etc.

What you are asking for is tricky because it can be construed as fraud. Insurance is for indemnity, not betterment. If you can prove your claim is worth more then there is no issue, but there are no magic words that will make us shell over more money. People like to think attorneys will get them more money, and honestly we may pay more on the claim, but the injured person usually ends up with less than or the same amount that was offered prior to the attorney being hired.