I was very leary of dealing directly with the insurance adjustors in my case (State Farm). To their credit, I think they were dealing with me squarely (unless I was totally snowed). At any rate, they did tell me to wait several weeks to make sure all the medical issues were resolved before settling. And they were fairly prompt in returning my calls, two days.

The only part where I thought they were being tricky was during the telephone deposition with some of the question, eg. "So the vehicle that hit you was a 2002 Jeep Grand Cherokee?" My first thought was that wasn't the exact make of the vehicle and I had no idea of the year so I just answered that I didn't know and that it was some sort of jeep model, that I saw the words "Jeep" on the grill. Looking back, I wonder if she was trying to trick me into saying it was a year/make/model other than the owners.

That is very interesting to hear how the cases were handled in NY and PA. I never even thought of calling my own insurance company. I might give them a call just to see how they would have handled it . . . for next time.