I have two coastal properties and have been through my share of hassles dealing with insurance companies. The last time I finally was so fed up with the whole game I hired an attorney right out of the gate to handle the whole matter. I never thought that was a good idea because I would be paying them and cutting into my rebuilding fund, however, they fight like hell for you (and themselves because most work off of a percentage of the total claim) and because of this most of the time you probably come out ahead even after their cut. Not really applicable for a claim on a car only but if there is significant property and damage at stake it might be worth checking in to.
Been there before and will be there again. Take one day at a time and things will be better than they were before the storm one day.
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Thread: my car.. buried in at sea