Cargo Claim how does it work

UPDATE:

Just got call from insurance company wanted to know if i was willing to negotiate the claim. They say they dont intend on paying the full claim no matter what happens. I was like hell no they told me it can still go either way in court they signed bills and didn't mark damaged product on bills I had clean bills. But yet they are trying to say that when I picked up the load I signed for the load therefore I am responsible for poorly packaged product cause I should have caught it and refused to haul it like that. So how can they use me signing for load but I cant use them signing clean bills against them. sounds like a double standard. I told them I still don't accept their claim. They said ok but they can withhold payment from you till this is resolved. So they can with hold my money b ut I couldnt with hold their freight? seems everything is stacked against me. There is no proof there was even damage to the product since they donated it away. Maybe I should try filing a claim on my truck say it caught on fire then tell the adjuster that I donated it to someone for parts see if I can still collect. I bet no. This is no different.