What if the insurance company claims you are at fault but the police report says otherwise?

The police report is just a tool - it is not the end all be all in an insurance investigation. Your company is believing your word and her company believes her.

So - if you have collision coverage you use that to pay for your vehicle.

If the two insurance companies are members of Arbitration Forums - they will file Arb and the panel will make a decision that is binding on both companies.

Your best bet is to follow up with your adjuster and ask them what happens now. Since your adjuster is familiar with your policy - coverages and the facts of loss - they are better able to advise you of the next step.

The insurance needs to line up with the police report. I'm pretty sure the police report wins. Although it may not comply with the regulations and terms of the insurance company. Obviously the insurance company is not going to want to pay - that's how it makes it's money so Set a little dispute and fix this little error in the record.

The insurance companies will fight this out among themselves, As long as you have the police accident report that states the other person was at fault, you should be able to get repair compensation.

It is not up to you to argue with her insurance company. There is nobody at that company who gives a crap about your, or is paid to look out for your interests. However, you pay premiums for your insurance company to look out for you. If your insurance company says you are not at fault, and the police report agrees, then your company has lawyers to duke it out with her company, and you just get your car repaired and go on your way.