My question involves a traffic accident in the State of: Missouri:

An accident occurred. The investigating officer opined that driver one was at fault for being inattentive. I am driver 2. The officer after interviewing driver 1 did not interview me based on what he learned from her. I checked on status of claim (wanting deductible returned) and was told matter went to arbitration and I was assessed 90% fault. Insurance company said arbitration binding. They were very busy and assigned case to outside company. No-one contacted me, the witnesses nor the officer before the arbitration. No one contacted me that matter was being submitted to arbitration nor told me result. I found out only because I asked for status of claim. I had informed insurance company (prior to arbitration) that if there was at any point blame would be placed on me I would file suit to prove other wise.

Options?