I agree the system is screwed up. Too many cases like the above that are frivolous. Of course, I think I am being reasonable in not trying to soak the ins co, but just want my ride restored, one way or another in a reasonable time frame. Had the accident been my fault, I could not fault the system. But when it was not my fault, I feel (whether right or wrong) that I should be minimally affected.

I am checking with my homeowner's ins right now. Otherwise, I have the time available and plan to put my research efforts into gear and will probably take this to small claims court. Hate to do it to the driver as it was an honest mistake and she 'fessed up to it. But due to her ins co playing tough, I'm inclined to do so to the best of my ability. Which means her ins co will have to defend her in small claims court, or so I understand.

As my BIL is a lawyer, I may seek some pro bono advice.