I tried this once and lost it, so I hope this isn't a duplicate post. Anyways, your story sounds eerily like ous. I really feel for you.
Bought our compass about 1 year ago, on 8/17. On 9/23, we had a freakish hail storm come through at work, and with less than 1000 miles on the odometer, we had a great amount of hail damage.
Still waiting to have the hail damaged repaired, on Oct.12th, we got rear ended while sitting at a red light.
Originally, the dork who rear ended us, denied having insurance, claiming he was driving someone elses care. Without insurance, I had to turn the claim into my insurance. The visable damage was 2 holes from the bolts of his license plate and an imprint of his license plate on the rear bumper. They wrote me a check for $539.00 ($500.00 deductible). This would pay for patching and repainting the bumper cover only.
My insurance found out that he did have insurance. I had the hail damage and the bumper repaired at the same time. It turned out that in addition to to outside damage, the styrofoam between the bumper and the bumper cover was cracked, and the bracket that holds the bumper onto the chassis. The total cost was $2500.00. His insurance paid that and for a rental car for the almost 2 weeks that it was in th shop.
The hail damage was also about $2500.00, which greatly exceeded the insurance company's estimate. Lesson learned, don't accept your insurance company's offer.
You didn't mention where or not you or your passengers had been injured. Immediately, after the accident, my husband experienced back pain, and I had neck pain,and migranes. Our insurance paid for our treatment.
A few months later, our insurance company called, out of the blue, and offered us a monetary sum to cover our pain and suffering.
A girl and her Jeep - a beautiful thing
2010 White Jeep Cherokee Sport
St. Paul, MN, USA