My wife totaled her car on August 4th. Not her fault, guy who caused it ran. On August 18th my insurance company still hadn't made a decision as to whether to total or fix the car and was giving me the run around. I sent a letter to the company, my agent, and the body shop explaining what I was told and by whom. It was obvious that somebody was lying or I was wrong. I told them that I'd better get a lawyer to straighten it all out. Got a check 3 days later.