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Thank you for your question. Please permit me to assist you with your concerns.I am genuinely sorry to hear that you are in this situation. This almost feels like literally adding insult to injury. As for whether or not they are correct, that is generally based on how the accident took place. You mentioned a collision took place. If you were the one who collided with the vehicle (and they did not collide with you), then you are seen, generally, as the party who caused the damage, even if you are obviously not in the same class as a vehicle. That would make you liable for the damage. A mitigating factor would be if you could prove you had a right of way that the other vehicle did not respect, or if you had a light and right to travel. But if you do not remember, and by your own admission was going fast, then you can be considered liable and the party who caused the accident. You can obviously fight it, request that they take it to court, and get the judge to see that there was nobody listed as a responsible party, but from a default position the insurance company has a viable legal argument on their side.Good luck.
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