The insurance companies are not your good neighbor, they are not fair and friendly, they won’t give you a piece of the rock, you are not in good hands, fifteen minutes won’t save you 15%. Don’t let them rush you, don’t give in, take the time to consult a few good attorneys. You bought a new vehicle, your new vehicle better be made new or they should buy one for you. After all, Toyota or whoever financed your rig will still be expecting your monthly payment, even with it wrecked and sitting in the shop.

Your experience sucks. But I’m happy that you’re OK and that the 4Runner protected you. Good to know they’re stout in a wreck.