Insurance does suck. My roomate got in a wreck on the freeway a month or so ago. An F-350 rear-ended his Accord, which caused him to hit the Camry in front of him. Of course, it totalled his car. Since the truck rear-ended everyone, should be an easy case, right?
So, when he's fresh out of the hospital with minor whiplash, the F-350's insurance company called him and offered a "compromise". They offered to cover 40% of the damages if my roomate assumed the other 60% of the fault. Luckily he didn't have a concussion or he may have fallen for it. And it STILL took about 3 weeks before anything was settled.
I can't believe those bast**** sometimes. Makes you wonder how something so immoral can be legitimate business.