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What you need, without a doubt, is to retain a lawyer to speak to the insurance company for you. You should not speak to them directly anymore.
If you let me know what province you live in I can explain to you how you can find a lawyer.
What you can do to find a lawyer is one of the following things.You can contact the Law Society and use their Lawyer Referral Service. You will be given the name of a lawyer and can consult with the lawyer and the first half hour will be free.The number is:1-***-***-**** or(###) ###-####(within the GTA)Or you can check on a site called lexpert. This is a legal directory of leading lawyers and law firms throughout Canada and is well-respected by the legal community.Here's the link to their website:http://www.lexpert.ca/Directory/DirectoryContent/FindLawyersOrFirm.aspx