LOL holy wall of text.... but yes, your defense is very nicely written and you should put that in writing and fax it to the insurance company. You never know. I myself have had 50% fault overturned to 0% (rightly so, in my opinion), by writing it out and stating my defense.

The whole issue is that speedfilm, but also understand that insurance companies are not 'car guys' like us, and to them their usual modus operandis is fix, paint and release. LOL.

But good luck! Let us know how it goes and the outcome.