I was involved in a car accident Oct 19 2011, I had the right of way 100%, I was headed north on a main busy road when this other party decides to try to cross the 4 lane busy main road, to go south bound he came off of a side road with a stop sign in the rain darts out in front of me, I seen him seconds before impact and I did everything I could to avoid hitting him, I would of t-boned him instead I hit his back left panel. he was not no where near across the road where the insurance company claims him to be besides RULES OF THE ROAD, ALL MOVING VEHICLE MUST YIELD TO ALL ON COMING TRAFFIC!!! PAGE 21-22 He clearly does not know how to drive, The insurance company wants me to pay 20% of the bill to fix my truck, when clearly the other party was at fault 200%, the insurance company American Access Casualty Company according to other claims never wants to pay out any claims if their clients cause an accident, they repeatedly use the reason for all claims COMPETITIVE NEGLIGENCE.. which give the leverage to not pay 100% I do have a witness and the other party got the ticket!!! This insurance company needs to be looked into being they use this reason all the time not to pay out, Their client was 100% at fault for the accident, and the insurance company is ripping me off by not fixing my truck 100%! Their client also has a very bad driving record i look it up dupage records open to the public. Their client also claims a back injury, as he walking down my street 1hr and 50 minutes after the accident in the rain laughing at my telling me he will see me in court, 5 minutes later hes running!!! there is a court date set for dec 9 11 against him, i will be there and so will my witness. The insurance company needs to be looked in to, there is something wrong here! My truck is still not fixed til this date Nov 4th 201. Front left panel smashed, lights, bumper, smashed hood shifted in which and no be opened, in which shoved right side panel to shift in to the door and can not be opened…