We totaled a new (600 miles) trailer and truck due to a frozen bearing/brake setup in 2010. I was in law enforcement, and learned to document EVERY contact, phone call, name of agent, and time of contact. Also, register mail (with a return signature)when you send papers by USPS!
The insurance company denied almost every item we claimed, but finally a fair settlement was arrived upon. No attorney was needed, but it was close. Insurance companies don't make money by giving away money, so they are usually willing to wear you down.
We know the tragedy you had to experience in the wreck. Unfortunately you have to relive the event every time you speak with the insurance folks. It took my bride three years to get behind the wheel of our rig (she used to be a fearless-hear me roar driver), but we're back in the saddle again.
