[gchappel]

I guess I may be out of the loop- certainly possible. But isn't the person that caused the wreck- not their insurance company- responsible for your injuries and losses. Can you not sue the individual involved- and let them worry about the insurance coverage. It was their choice to save money and use a specfic insurance company- not yours. I have luckily never had to do this, and I am not a lawyer- but I would sue the individual involved and let them fight their own insurance company. If this is the routine senario- and I am not personally responsible and it doesn't matter to me what my insurance company does or how it pays others involved in an accident, then I am going to drop my nice expensive coverage and go with the cheapest fly by night company that I can find. I pay more to protect myself and my assets- but if there is no personal risk I can go CHEAP!
Gary