When my MG got "totaled", the other guys insurance wanted me to turn my car over to them. I stood my ground and, after about 2 months, got what I had in the car plus the car.

I did have a little more leverage than you--I had a son in the car with me, 5 at the time, and a lawyer friend of mine told me to tell the insurance co. he was having nightmares about the accident. Did so and had my $ within 3 days.

Hang in there and fight. Don't let them get your car. And read the book that was suggested in a previous post.

Cheers,

Bill