SF will cave after your attorney contacts them, as they should. Their driver is clearly 100% at fault here.
Is there a method that does not require an attorney?
Around here they are $200 to $300 and hour and a letter will cost an hour. Kinda stinks you have to pay $300 to get a company to do what's right.
I just finished a dispute with American Family. I was on firm legal ground and wrote them a letter that if they didn't handle the situation I was sending a formal complaint to the ND Insurance Commissioner's office. Did the trick. Something similar may work here.
"We live in a time when intelligent people are being silenced so that stupid people won't be offended".