wild ride down a 175feet bluff

WOW! what a ride! wild is putting it mildly, the insurance co and county dont WANT to pay, (or dont want to admit liability) that doesn't mean they wont HAVE to pay, just get a good lawyer, thats what they are for,

Same here......if its was the road that gave way it wasnt your fault, it was the county's/state's whatever. Go after them..

Why should you absorb the loss for their poor engineering?

You already pay taxes to them.

That said, glad you are relatively OK.

Heal them ribs quick.