LAWYER!
Sure they get a healthy chunk. But, look at what they do. They get greedy insurance companies to fork it over.
Something you or I are unable (due to legalese terms, hidden clauses) to do.
SO, get a lawyer and get paid. You may have to wait for a year or so, but so what. $15,000 is a much
better investment than $704 wouldn't you say? Hell, that's 1/3 of a years salary and you don't even have
to do all the work.
It's a no brainer dude. L A W Y E R T I M E !!!!!!