Originally Posted by
crocodilefundy
I'll second that the fundamentals of an insurance company is to change you money and then do what ever they can to deny you benifits, thats how they make a profit. .
If you reread the previous poster's advice, you'll see that there wasn't any "first" for you to be seconding.
To OP, glad that it seems you are relatively undamaged, and that you've got a police report and such to help matters. Take good care.