My insurance is already taking care of things. My car will either be fixed next week or I'll get a check next week (it's a border-line decision on total). I'm tickled with their fast response. This is definately the way to go! No fuss, no fight. The medical part is going to take awhile, but I feel like I'm in good hands all the way around. (possible disk herniation....yee gads). Thanks again! You rock!!!