Fred Loya Insurance Denied claim of clear responsibility by their insured! El Paso Texas

Not sure how this insurance company (Fred Loya Insurance) is allowed to stay in business.  Here is my current issue with the company.  My daughter is away in the Dallas, TX area for school, we are from Arizona.  In November of this year her vehicle was traveling on a four lane roadway in the far right curb lane.  The three lanes next to her were backed up because of the busy intersection, but her right hand turn lane was fairly clear.  An individual insured by Fred Loya decided to make a left hand turn from the opposite direction in the roadway through the break in the three backed up lanes.  She failed to yield for my daughter who had the right of way in her lane and proceeded to try and cross all four lanes into the shopping complex.  Needless to say my daughter did not see her coming across and the driver of the other vehicle ultimately collided with the rear driver side door of my daughters vehicle.  Bottom line my daughter had the right of way and the other insured was negligent.

Initially we received a message (recorded) from from the adjuster representing Fred Loya who indicated that their insured was 90% at fault and my daughter was 10%.  Was not happy about the 10% but they said my daughter was going to fast for the conditions....  A couple weeks later we are now trying to set up where to take my daughters vehicle to be repaired and we are now being told that my daughter is 100% responsible and they denied the claim, no notice, phone call, etc.. they just decided to change and deny.  I contacted Fred Loya to try and figure out what was going on and they now said they spoke to a witness who claims my daughter was "speeding".  This witness was one of the vehicle stopped and backed up in traffic in the third lane and stated that my daughters vehicle drove past her in the right hand turn lane and was "speeding"  I questioned this witness's credibility and their determination of what "Speeding" is?  No answer they just liked that this witness said the word "speeding".  Mind you the speed limit on this roadway is 40mph and if this witness is at a complete stand still and if someone drives up next to her at the speed limit they will probably look like they are "speeding".  As it is my daughter and the others that were in her car estimated that they were only going 20-25mph and the right turn lane they were in had just started about 100 yard back. 

Basically Fred Loya has completely failed to realize and take responsibility for the fact that their insured "FAILED TO YIELD THE RIGHT OF WAY"

Ultimately I've run into a couple of snags along the way.  My daughter who is a young 19 year old exchanged information with the other driver (Fred Loya insured) but they did not call the police as the other driver (Fred Loya insured) felt that it was not necessary.  My coverage on my daughter vehicle is liability only so I'm now at a point of being forced to pay for the repairs myself as I can't file a claim with my insurance.  (I actually believe if my daughter was "speeding" or traveling over the posted speed limit the damages would be much worse)

My insurance company has done their investigation, since we were now being told we are 100% at fault, and the other insured has made a claim.  Our insurance company (Reputable company- Farm Bureau) ultimately determined that my daughter was not negligent (spoke to all the same witnesses, including the "speeding" witness) and came to an accurate determination that the left turning lane that the other driver (Fred Loya Insured) IS TO YIELD TO ONCOMING TRAFFIC, WHETHER OR NOT SPEED CAN BE PROVEN ON PART OF THE INSURED (my daughter).

With all the negative reviews I have read regarding Fred Loya Insurance, I am not surprised with what I am dealing with!  Unfortunately as many times as I have called Fred Loya and tried to explain that their insured was the one that was negligent I get the same response.  They continue to deny the claim and I have not found a way to get through to them.  They seem to have an easy way of just dening claims and no authority or oversight to hold them responsible.  I basically have two insurance companies that completed investigations and each are determining that the other party is negligent and I am stuck in the middle with no recourse because of the completely illogical determination of negligence on the part of Fred Loya Insurance.