I just want to be done right, not screwed over. Not trying to do the state wrong, ultimately I pay for it anyway.
But not going to roll over and take a dickin because they don't want to fess up.
That's why I suggested the lawyer. He's there to protect you from getting jerked around. Financial responsibility laws require folks to be made whole for their loss. I have dealt with some real whiz bang insurance companies.
I was driving a '90 Range Rover through the hills of SE PA on a 2 lane. I was heading South. This guy heading North turns left in front of me into a steak joint. He doesn't even goose it. I mashed the brakes in the Rover which were quite good, 4 wheel disc but I dented his rear quarter panel and with the brush guard/damage enhancer, ended up taking out the hood, fender, one tire/headlight, and bent tie rod, and shifting the body on the rover... When the PA State Trooper came around he separate us and asked each of us in our own words what happened? The first words out of my mouth were "Does this guy want to have a effing accident?" That guy got a ticket, I got nothing. His insurance refused to admit fault for over 2 weeks until I threatened lost earning capacity. That is a magic phrase because there is no legal limit on lost earning capacity. They admitted fault within 2-3 hours after hearing me lawyer up on them. They lied cheated and tried to screw with me every which way they could. I was quoting comparable vehicles from the West Coast since it was a West Coast Rover. They said only local area. Ultimately after filling up the handling agents inbox with invoices since new day after day, they called a guy in WA who my buddy went to meet and check out his rig, asked him the lowest price he'd take, and gave me that plus rental plus plus.. in the end I broke even. It was a horrible experience. The adjuster who came out was calling a scrap yard in front of me trying to talk up the buy back price. Just insane. The worst part was since so many people are used to getting screwed by insurance companies they thought I was the bad guy for breaking even and making the insurance company fulfill their legal responsibility to make me whole for my loss caused by their insured.
When I was driving MB diesels, a deer jumped off the side of the hill & took out the front right corner of my car. The insurance was a bit of a hassle. I was talking to my buddy who owned a highly respected independent Mercedes/BMW repair shop. He told me to tell the adjuster, put that car on the lift of any Mercedes shop in Nashville and they will tell you its perfect. (I was living Nashville, TN at the time). The adjuster heard that, shrugged, and paid me a fair price...
So its all about leveraging your situation. You sound like me, you want what's fair and right. We aren't out there to make a killing, we just want to be made whole for our loss.