Considering Bud Wiser was his only witness, I doubt he has a leg to stand on. Let him talk. Every drunk can justify their actions, after the fact.

Your duties for the day:

1 - CALL A LAWYER ALREADY! (I had one on in my hospital room the second I was taken from trauma to ICU. Luckily, my lawyer is a family friend though).

2 - Get that report! What sort of po-dunk town do you live in? Tell Cleatus to get a move on!

Oh, and don't worry, it will never go to court. Insurance companies lose too much time and $$ in courts. They much prefer settlement and if that doesn't flow, it is usually resolved in facilitative mediation.