Oh no, what an awful thing to happen! (where is the hug emoticon when you need it??) Just letting you know, if you want some legal advice, there should be free Legal Aid in your state (google it or maybe ask at your local library or community centre). Also, please remember to be quick in settling this (looks like you're really on to it), as insurance companies have cut off dates to get claims in (and I may be being paranoid here, but I swear that they do everything to delay the process so that you miss it), and if you don't get everything in prior to this date they won't process it. Keep all your paperwork, and don't let this guy or his insurance company stuff you around. GL.