see thats just it, there is nothing you can do or say in this situation. dosen't matter how good of a talker you are. it seems from what Kevin has said, there is just no coverage right now to handle the claim. not saying there won't be any once all parties are contacted. but right now there is nothing.....
again, I know this whole thing sucks for Kevin and I agree, but look at it from the outside.
if you let someone borrow your car and they wrecked it, would you want your insurance company to just pay out on your policy making your premiums go up without them even speaking with you first?? I wouldn't, maybe that person took your car without your permission?? now, it shouldn't take this long to get in touch with someone but thats the hold up.