I work with adjusters all the time. Some are honest and some are downright dishonest. As in all people, some good some bad. The absolute truth here is that you will benefit from having a lawyer. Absolutely!! He will want you to have pics, You have them. He will also want you to write a history and a current minute by minute blow by blow documentation of everything you go through. The insurance companies first policy is to deny everything they can deny. When they have their pants down so to speak they will then try to downplay. As in "so glad the damage was only vehicular". I was an insurance agent at one time and the agent is not in control of you anymore it has bypassed the agent and is in a division of damage control. Once you have stated you are in pain you havbe become a star in their horizon. Don't ever lie and don't ever spend money you have not received. If you carry groceries and fish and work in the yard be completely honest. Lying will only make you lose anything you are intitled to. And you are a policy holder so you are intitled to everything your policy and the other policy will allow within reason. Just don't lie. They want you to lie they are begging for you to lie. Never do it. JMOHO For what it is worth.