It never works when I try to post pictures.
I use Yahoo.com and go into "photos" to upload them. Then I copy/paste the URL into the "URL" in the Instant UBB Codes" (bottom of the reply page). People can click on the link to see the pictures.
I'm sure someone can better direct you as I'm not good at this picture posting thingy.

Did you get things settled with the insurance company?