First of all as a matter of principal you should always reject the insurance companies opening offer.
Write to them doing this and tell them you want a figure as far above the figure you will actually settle for (the fair amount) as their offer was below it.
With any luck they will make you a new offer at around the fair price.
If the fire damage has been repaired, you can get homeowners insurance from any company of your choosing.
Only if the insurance company believes it was your mom driving at the time.
No Way. Just like an auto insurance company writing full coverage on a wrecked automobile.
Insurance co. are not required to test drive any vehicle.
Yes, because they incurred the loss.
Take the Insurance company to court. The Doctor has to be paid by some one. and in the end it is you that is responsible for this.
In most states, you will owe whats left owing after the ins. co. pays.
I totaled my Mustang and was able to buy it back from the insurance company. They gave me the Blue-Book value less my $500 deductable. They would not insure it after I repaired it, I had to switch insurance carriers to get coverage.
Have your car repaired through your Insurance Company on your policy. It is then their task to obtain the costs from the person that hit you.
If this happened to me, I would find out what my insurance company can do and from there contact the police or file a civil or small claims suit. None, if the accident wasn't reported to the police.
Normally yes. Some companies may require proof that you have repaired the car and it is road-worthy.
Your contract with the tradesman is between "You and the Contractor", He did not contract with your insurance company. All the insurance company did is agree to pay the bill for you. So you would need to bring your own civil or criminal action against your contractor depending on the circumstances.