B.B.
I agree that insurance companies are horrible and try to get out of paying the full amount. I was hit a few years ago by a guy who ran a red light. At first, the insurance co. was fine, until the repairs took longer than expected, so they said they wouldn't pay for the rental car anymore. I basically wouldn't give up, was on the phone with them everyday. I was very persistant, and wouldn't let them push me around. They did pay for everything. I think that most people just give up and don't fight them, and that's why they do these things (though they'll never admit it). I would only sue if it's a last resort. Try everything you can before that, and be persistant.