It's very hard to file lost of use with those companies I wanted to try it last time but it was hard plus even the check they will send you to fix the car will be delayed till they find out how much they will give you. Anyway I think they will pay you based on the money you made last year but be sure they pay you based on September income not the hole year income
Do you know how long does the police report take? Some guy hit my rear side panel and i filed a report last Saturday i called Tuesday and they said there was nothing. Gonna try today hopefully is ready.