My insurance agent was a big help to me when I was hit by a drunk driver. He really worked on my behalf and ended up getting me a settlement that was more than my scooter was worth and paid for my doctor visits. Since they ended up totaling the scooter, the settlement actually paid for all but the tax on my new scooter. Talk to your insurance company - they should be working for you, not the other party. If they don't, drop them immediately after this thing is settled. (Geico motorcycle insurance was our company.)