Do I need a lawyer to get my car repaired when the other party's insurance decides I am at fault?

A business truck hit me while I was waiting for a parking spot in a parking lot. I was not moving. The other driver told the policeman he didn't see me. This is recorded in the police report. I received a letter denying the claim because "we have found you to be 75% liable for failure to yield right of way and failure to maintain safe lookout". They have closed the file. Their driver was at fault, but won't pay to repair my car. I have tried calling attorneys from the phone book, but haven't found anyone interested in talking to me. How do I proceed? I spoke to my insurance company, I only have liability coverage so they are done. I have tried to call the other insurance company to ask them to explain their findings, so far they haven't called back.