Reviving an old thread now that we are done with the lawyers. My wife had a very rough six months of recovery. Pain, oxygen 24/hrs a day, many trips to doctors and therapy. She still has shoulder pain at times. But otherwise is finally doing fairly well. I had knee surgery last spring and I'm doing okay. We didn't know if we could ride again but it had been our greatest joy. Last spring we bought a new trike. We put less than 3000 miles on it last year, 1/3rd of our normal riding. It just wasn't all that enjoyable, too many memories of the crash, too much fear of it happening again. IDK if we will ever be able to enjoy riding like we used to. It also gets uncomfortable riding for more than an hour. We will give the trike another try this year but if we can't enjoy it better, we will sell the trike. Insurance companies: Her insurance company's (Safeco) adjuster was a real piece of work. Denial, wrong information, stalling, etc. Lies. When they finally made an offer for the trike, it was $15,000 less that what we paid for it 2 years earlier. I had documentation of comparable replacement costs but they just ignored that. I finally turned it over to my insurance company (State Farm) who paid off under the "uninsured/underinsured" coverage. They did a more honest evaluation, paying attention to the details and cut a check for $8000 more than the Safeco offer. Turns out, Safeco/Liberty Mutual/Ohio Casualty is all the same company. We had our $3000/year farm policy with Ohio Casualty. I cancelled it and found a new company and a new agent. Lawyers: We went with Elk & Elk, a large firm. Our lawyer was Craig McLaughlin. He seemed to be knowledgeable and we feel he got us a reasonable settlement. Communication was via phone and email. Ken