I didn't read your first post - NONE of the information in it was required. I read the second post since that contained your questions and had MORE then enough information to tell you what you needed.
If you are talking about a bad faith claim, you can only file a bad faith claim against your OWN insurance company. The other party's insurance has no contractual or legal obligation to deal with you in good faith. If you don't agree with the insurance company's determination, your recourse is to file suit against the person who harmed you (the driver and his employer) and let the court sort it out. I have dealt with commercial policy claims before and they have ALL, without fail, been a hassle and taken a long time to sort out.
If you are talking about a bad faith claim, you can only file a bad faith claim against your OWN insurance company. The other party's insurance has no contractual or legal obligation to deal with you in good faith. If you don't agree with the insurance company's determination, your recourse is to file suit against the person who harmed you (the driver and his employer) and let the court sort it out. I have dealt with commercial policy claims before and they have ALL, without fail, been a hassle and taken a long time to sort out.