Glad everyone was okay.. That's first and foremost.
I think a lawyer consult is wise.
I can't believe how some people imply filing a false claim, or making a false statement is somehow "okay". Im all for being compensated for real loss, but faking injuries etc to use as leverage just leaves a slimey feeling that I hope you are above.
I think you should be compensated for actual loss of use. I also would agree that in many cases, that calculation of loss time generally would reasonably end with the settlement payment. The insurance company has no way of knowing if it will be 30 days, 60 days, or two days for you to buy a new RV and truck.
OP - you don't sound like someone who would make frivolous lawsuits. Hope that's correct. I just find actions like DowntheAvenue is advocating are unethical and immoral. Im sure the next comment will be a way to justify that behavior as a result of the behavior of others, or of unscrupulous lawyers or insurance companies.
Glad you're okay.. Hope all works out for you.
Mike