Location: Seattle, Washington Hi everyone, I’m looking for advice or similar experiences. A few weeks ago, a driver crashed into our house. The impact broke our front door, left insulation exposed, and traumatized my family. My wife witnessed the crash, screamed in panic, and we have video with audio capturing her emotional reaction. Since then, she’s been unable to sleep, cries at loud noises, and constantly fears it could happen again. Our 8-month-old baby was also in the house. While some say “babies don’t remember,” there’s real research showing even infants can be affected by trauma — especially when their caregiver is distressed. We had to cancel a planned international trip in September and also dealt with harassment from a contractor who was supposed to do repairs, adding even more stress. We submitted: • The video showing my wife’s panic • Travel cancellation documents • Research on trauma in infants Despite all of this, Safeco (the driver’s insurer) is only offering $500 for emotional distress. They say we haven’t “proven” our case — even though the trauma is documented and undeniable., no real explanation. Has anyone dealt with Safeco before in a similar situation? Is $500 a typical offer for something like this? What would you consider a fair amount based on the circumstances? Thanks in advance — this situation has been overwhelming for our family, and any insight or shared experience would mean a lot. I used ChatGPT to explain this situation here.

I have comprehensive and liability coverage for my Class C RV through Safeco.The coverage is for full-time RV living. We've had a couple things happen. First, we had a tire blow out. This caused damage to the door to the LP tank, the shelf that holds the LP tank, and it literally blew a hole into our RV. It didn't cause any frame damage and the hole is in a location that doesn't make it a safety risk (it's under some drawers). When this happened, I didn't even think about insurance and that would continue for a while (mea culpa, I was really sick at the time). Fast forward a month. We'd just gotten onto I-90 near Utica NY when the bolts for one of our tires sheared off. We had to get towed and the next day the tire itself was fixed. There was some minor structural damage to the RV (cracked mirror oddly enough, a couple of dings on the back end) but then also began having cascading electrical issues: I can't confirm at this time but I think one of the bolts damaged something, most likely the RV's inverter. So I submit the claim for the tow, the repair to the tire and electrical damage, plus the damage for the tire blowout. We spoke to the adjuster the same day and she told us we should take the RV in for an estimate. We did that and the person who did the estimate told us that the insurance company would try to low ball us. Which they did. The adjuster knew we were getting an estimate as she'd asked us to. Meanwhile, they had their own estimator come up with some figures based entirely on the pictures that I submitted. And yeah, lowball they were - $1700 for the blowout damage and about $3500 for the damage when the bolts sheared on the tire. Each amount was less my deductible. That was yesterday. I sent the adjuster a text and told her the figures were very low, the labor rate alone was half what it should be, and the estimates seem to have some issues from the tire blowout damage and from the bolt shearing mixed up, so one of the estimates has some of both. No response. I know the company we went to submitted their estimate yesterday. But today, Safeco paid out based on their estimate. And they sent the payment to a random address that has no connection to me. I did email the adjuster and told her this isn't acceptable, it's not even based on an estimate by someone who has *looked* at my RV, and you send it to some address I've never heard of. I don't expect a response to that, either. So beyond the address issue, what are my options here? My RV is barely driveable and I live in it. I'm positive that the amount of damage to it is more than it's worth (it's an older RV). I am really discouraged at this point.