Thanks everyone for your input on both sides of the issue--it definitely is a bit gray. I didn't go into this trying to take the insurance company for every penny, but when they whine and moan about getting me home (car was 700 miles away when it was hit), about getting the car home, about loss of use (the Lotus is
my only car), about diminished value... I mean, pretty much the only thing they aren't being totally awful about is the repair itself, and that's because PA law is very blunt about the repair shop being my choice.
They've also dishonestly tried to get me to sign releases that covered much more than was implied, and tried to pull the "this is a standard form and we can't agree to changes" BS when I called them out on it. What, you've never settled just one part of a claim before... like you SUGGESTED we do?
That on top of the delays (for example: the past WEEK was the dealer waiting for someone to come out and inspect a supplemental claim for a muffler bracket--turns out the adjuster was reassigned to another department and my claim was dropped on the floor) is really just leaving a sour taste in my mouth.
And never mind what I'm paying for the car itself--I'm 22 and a new driver... my insurance premium alone for the time the car's been out of service has been phenomenal. Loss of use would go a long way towards covering that.
Perhaps that neck is starting to hurt again?
I'd meet with someone from the company and outline every issue including loss of use of the car, loss of value (despite what I'm sure is a perfect repair), and your willingness to pursue this with complaints to the state insurance commission and anyone else you can leave them explaining themselves with.
They really should cough up something, as your losses are real.
Is the car back with you yet? Post a pic when it is.
Solid advice, as always, JBH--I guess I'm going to do pretty much this. When I found out that the adjuster had just wandered off, I called and threw a fit; if they get an inspector out tomorrow afternoon like they said they would, I will probably have the car back early next week. My detailing kit and Nikon are standing by, so I'll grab some pictures ASAP! How's the Exige?
Then again, this is the third time I've heard "early next week," so...