Your friend appears to be the one at fault here. The middle cars lack …
I think you are wasting your effort to appeal. Speeding is a 'strict liability' …
You can accept their payment for 'totalling' your car - then discuss with them …
If you were injured sounds like you might have a 'personal injury' case - …
You could sue the person who ran over your sons ankle for his damages, …
Are you a lawyer?