Thanks for the input from everyone. Seems that experiences are all over the map but nice to have data points. If I had gotten any pushback from SF wrt fault or process I would have tossed it to my insurance company. At this point it seems straightforward at least for the damages to the car. The medical I'll sort out as things come up. I'll have paperwork for every doc/chiro visit and won't sign a release until I've got a thumbs up from my ortho (who is *really* good). I know that SF wants to put this to bed and I recall getting a quick offer to settle some years back for an accident I was in (other guy's fault). I don't even recall the details though.
uh oh - obviously I have memory loss from this accident