I went through similar with an '88 F150 when a guy crossed the center line and hit me so hard it buckled the floor pans under my feet. They airlifted him from site, but fortunately I walked away with some bruising from the belt.
What I did, that really killed the insurance company, was have the wrecker driver bring the truck back to my place. With it sitting here, it was in my possession, and they weren't having to pay storage fees on it at a yard somewhere. In my case the truck was a high mileage, Lariat Edition. It was in good shape physically, didn't use any oil, and had had a new transmission, tires, and exhaust within just a few years of the accident. My biggest problem was that it had been in another accident a few years prior, and due to the mileage they totaled it for a minor bump up, that bent the front bumper, broke the grill, and broke an ear off the transmission. Less than $500 got me back on the road then.
Long story short, the accident wasn't my fault, and I couldn't get another truck for what they were offering. Since I had another vehicle to drive, I held out. The claim went through two different adjusters, but when the one year mark hit, they called begging me to settle. I don't know whether there is a certain time frame they are supposed to get settled in, but I do know there is, or was, no time frame in which I was compelled by law to accept an offer that didn't make me whole for an accident that wasn't my fault. So, when they asked again what I would settle for, and they finally agreed.
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Today's Featured Article - Restoration Story: Fordson Major - by Anthony West. George bought his Fordson Major from a an implement sale about 18 years ago for £200.00 (UK). There is no known history regarding its origins or what service it had done, but the following work was undertaken alone to bring it up to show standard. From the engine number, it was found that this Major was produced late 1946. It was almost complete but had various parts that would definitely need replacing.
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