One word of advice is do not, I repeat, Do Not say attorney to the adjuster or anyone else for that matter. If you do, the insurance company has the right to quit talking to you and deal only with your attorney. Just state the facts and you "know" them to be and be prepared to back them up.
I am sorry that this happened to you, you have suffered enough and dealing with the VA is hard enough but trying to deal with a money making company is ridiculous. Keep cool and if they are stonewalling or not receptive to your predicament, refuse to talk to them and get a lawyer but don't threaten they. You don't have to sue for injury if you don't have any but you can sue for damages and attorney's fees.