[techie610]

I think he meant he had gotten T-Boned, as we say it..
They hit him with their grill, square on the left side.

Either way, you are correct in that either the insurance Co. is absolutely screwing you, or the lawyer isn't trying. I had a public defender that could do better than that.

The way I see it, is:
1) they owe you a new scoot, because it is completely totaled.
2) any medi treatment what-so-ever is to be covered. even if you buy advil for a headache.
and (3) a small settlement for general purpose. Just in case you need help for other than above.