I went through similar with an '88 F150 when a guy crossed the center line and hit me so hard it buckled the floor pans under my feet. They airlifted him from site, but fortunately I walked away with some bruising from the belt.
What I did, that really killed the insurance company, was have the wrecker driver bring the truck back to my place. With it sitting here, it was in my possession, and they weren't having to pay storage fees on it at a yard somewhere. In my case the truck was a high mileage, Lariat Edition. It was in good shape physically, didn't use any oil, and had had a new transmission, tires, and exhaust within just a few years of the accident. My biggest problem was that it had been in another accident a few years prior, and due to the mileage they totaled it for a minor bump up, that bent the front bumper, broke the grill, and broke an ear off the transmission. Less than $500 got me back on the road then.
Long story short, the accident wasn't my fault, and I couldn't get another truck for what they were offering. Since I had another vehicle to drive, I held out. The claim went through two different adjusters, but when the one year mark hit, they called begging me to settle. I don't know whether there is a certain time frame they are supposed to get settled in, but I do know there is, or was, no time frame in which I was compelled by law to accept an offer that didn't make me whole for an accident that wasn't my fault. So, when they asked again what I would settle for, and they finally agreed.
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Today's Featured Article - The 8N and the Fox - by Zane Sherman. Dec. 13 1998, Renfroe, Alabama. Last niht I dreamed about the day that I plowed the field of about 10 acres over on what Jimmy and Dandy called the Ledbetter field. I was driving the 1948 8N Ford tractor that Jimmy bought in 48 new This was prebably in about 1951 and maybe even befor the house was built. This would have made me to be about16 years old and I drove the tractor for nothing and would have paid to drive it if I had had any money which I didn't, but neit
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