American Heartland Insurance Company Carlos Cordero - Claims Adjuster Unjust Claim "Investigation" and ignoring police report Skokie Illinois

American Heartland Insurance and insurance adjuster Carlos Cordero failed to read and comprehend a police report submitted after an accident where their insured was 100% at fault for running a red light. The collision occured to my front passenger side and her driver side rear due to the turn of the intersction and both of us swerving to avoid a complete T-bone. The insured admitted to being 100% at fault in the signed police report and Carlos stated that because of the location of the damage, I am 30% liable for not taking more "corrective" action. Even with the insured admitting 100% fault, I was told that I would not be fully reimbursed unless a court action was obtained. 

The manner in which this company operates is the epitome of bureaucratic low rated insurers that exist not to protect their insured but to profit based on  arcane legalities. Additionally, after waiting 3 weeks to receive an answer on getting my car reparied, I was told that two days of my car rental would not be covered, even at his pro-rated rate, due to his investigation not being complete before I took the car for repair. 

American Heartland Insurance should be investigated for their suspect at best practices by the Illinois Department of Insurance.