Condo insurance claim and confusion over proof of loss

My question is in regard to proof of loss when one files a condo insurance claim. I live in a duplex; my neighbor and I are side-by-side and we each have our own driveway. The units are considered condos but it's just the two of us so we don't have an official condo association because it would only be three members.

An accident occurred on my driveway this past July, totaling my cars and damaging my driveway. I've filed the claim with our condo insurance master policy. It's been quite a process, between the adjuster and insurance company. Trying to figure out who is supposed to sign what has me at a loss at times. I had signed the proof of loss, but soon after the adjuster didn't know who to address the check to! I had to call the bank and they knew more than the adjuster. Now he's telling me that my neighbor and I must both sign the proof of loss, and that the previous proof was rejected. The neighbor’s name is on the master policy but we both pay for the policy and I was told it didn't matter whose name is listed. The adjuster also mentioned that I would have to pay for the deductible, but the insurance company is telling me just the opposite, that the other party is responsible.

The process is confusing at times and I’m just wondering if anyone has insight into this matter.  Thanks for the opportunity to blog my concerns!