Yes i hear you and thats why I was happy with 95, I am guessing your a cop. My cousin is a cop as well, I explained that to the LEO at the scene and the rest was history.I'm telling you, police reports don't always get the final say. Take it from someone who does them for a living. I've seen insurance companies screw over people who were totally innocent. We actually had a meeting one day to address how we needed to write reports to limit insurance companies from screwing people over. I would be very happy to go from nothing to 95%. I bet both of you having the same insurance helped out. Either way, good luck with it.
Joe