Progressive totaled my 2021 Harley Road Glide Special after a left-turn driver pulled across my lane (his carrier accepted liability at 80/20) and their ACV valuation is $4,300 below every comparable bike listed within 300 miles. they also denied my $2,800 of riding gear as "personal property," the at-fault carrier wants to cut my medical bills 20% for "speed" based on nothing but their insured's statement, and i have $50k of UIM coverage i am afraid to touch because of consent-to-settle language. how do i fight the valuation and sequence three claims without blowing up my own coverage?
eight weeks out from the crash and i am now managing three separate insurance claims with a plated wrist, so i am bringing the whole situation to this community because every answer i find online...