<prompt> Human: I was pulling up to an intersection and was the first car in line at a red light. An ambulance with its lights and siren on pulls up from my right. It checks to see if the coast is clear and rolls through. A few secs go by after it passes and my light changes to green. I start going and suddenly a firetruck blows thru the intersection, I slam my brakes and the 68 year old lady behind me rear ends the hell of my truck. We pull over, talk to the police officer and have the same story. He doesnt give her a ticket but says it was her fault. I can have him give her one but he didnt want to be a dick. Vehicle was 4 days ownedI call Geico insurance leave a message cause Yolanda didnt answer. She ends up calling me the next day and I file the claim. I give her all the details. Tell her my tail light got busted, pushed my bumper in a little bit and bent the bed a bit creating a gap in between my fender flair and my bed. Yolanda tells me it will take 4-6 weeks for her to get the police report and decide. So I wait a bit and check online only to find that the claim is closed and no vehicle damage was reported.I call Yolanda back and am a bit confused. Voicemail again... I leave a message and wait. She calls me back and I ask whats the status with the case. She tells me we have never talked. I tell her we have and she sturnly says no we havent. I tell her I have voicemails from her and I can send them to her. She says that wont be necessary... Im irritated nowYolanda tells me they decided that the fire department is at fault and they wont be paying for anything for my vehicle. WTF! We go back and forth nothing gets settled. Yolanda even suggests that I contact the department and get them to cover the damages. They also suggest I just use my own insurance to fix it. All I have to pay is my deductible... I only have liability insurance and will have to pay out of pocket just to fix my truck.WTF! I get rear ended, I stopped in time, she didnt! It wasnt a drag race. Now they wont me to do all the work? Da hell is insurance for?Also, I went to get my inspection so I can register my vehicle and forgot that it is impossible to pass inspection in Texas when you have a busted tail light even though the lights still workWhat canshould I do? Edit: We both have GeicoThe report says its her fault but also says firetruck was the cause of my sudden brakingYolanda is the claim adjuster but acting on behalf of the lady that hit me.  <response>: If full coverage isnt insanely more expensive than liability I always suggest it. What youre dealing with is one of the reasons why. 