Glad to hear you made it out okay. That's a helluva story and bound to make great conversation fodder.
All that aside, the insurance company is indeed only looking out for themselves on this one. I'd consult a lawyer just to make sure the insurance company isn't obviously trying to screw you. If they aren't, it sounds like you made it out all right and handled things like a pro, it would probably be best just to get it settled as quick as you can and get along little doggie.
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