All-State Strikes Again

So, someone runs through a red light at an intersection with blind corners and hits my car. He accepts responsibility, and asserts that he never saw me until we collided. His insurance, All-State, claims that I am partly responsible under North Carolina's1% contributory negligence statute, so they refuse to pay my claim for damages. I assume, instead, that All-State adjusters get paid partly on the basis of how many legitimate claims they can deny.
"You're in Good Hands with All-State" is kind of liking assuring bank tellers,
"You're in good hands with Willie Sutton."