回复：除非有法庭的判決﹐對方的保險公司是不會輕易賠你的。

Yeah, Geico also said so.
But even the policemen said it's all his fault. Cause I came to the stop sign earlier, but didn't see his car. When I drove to the middle, I saw his light dashing toward me and have no time to avoid. His speed hitting my car is about 30 mph.

I am going to get my policy report today and fax it to both companies.