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contrary to what the Norfolk Southern RailRoad will tell you, they are liable... and this comes from a Union Pacific RailRoad employee.
we had almost the same thing happen here in San Antonio... but the railroad was the sole owner of the bridge... when rocks and part of rail came falling down onto cars below, the citizens complained... and the UPRR doled out several thousand dollars in damages.
railroads make billions of dollars per year... your little $1000-1200 isn't going to make a dent in their budget... get them for the t-top, any detailing work that needs to be done to the interior of the car and for all your medical expenses due to the incident... when you talk to the right person (their claims agent or spin doctor is likely the only person or people you have talked to so far), your happiness will be important so as to avoid any more negative PR... and I highly recommend that you get in contact with the Superintendent's Office for the Norfolks Southern area you live near... the spin doctors and claims agents are there to keep the railroad out of trouble... the Superintendent is over their head.
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got tequila?
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