[Danimal16]

I gotta say that I don't see the problem. How old is that driveway? Also, Asphalt MUST be fog sealed to keep water out from underneath it. You have aligator cracking that can indicate the driveway's existing condition, that the asphalt surface was not properly maintained or that you have an existing subsurface failure. Also you have non-confined edges that are just a matter of time before such an event would occur. What really shows the paved surface condition is the weeds. The subgrade and the wearing surface were shot to begin with. This is what you are going to hear from the insurance adjuster and any pavement engineer.

That is a fair assessment of what happened and you will be pushing sand against the tide due to the existing condition.

Good luck anyway.