Hi
Just use one of the 'no win no fee' Car accident claim management companies. They will pursue Zurich on your behalf and negotiate any payments. These companies are experienced in dealing with these companes and if they believe you have a case, they will take it on. Their fees would be paid by Zurich following a sucessful outcome.
If you do a google for ' car accident claim management companies', a company that provides this service is Onecallsortsall which is the trading name of Camps Solicitors based in Birkenhead. There are many other. Do a further google to see if there are any advserse reviews. I could not see any consumer reviews for this company.
In regard to the behaviour of Zurich, often companies will not admit anything following a phone call. They will wait for all the information to come in from their policyholder and yourself, before they decide what to do. From what you have said, I would say it was the other drivers fault, unless the CCTV proves otherwise.
Huckster