What is the name of your state? WI, Struck by our vehicle, driven by my wife, on our property. Ins co. same for auto & home. They contacted me about settlement. Havent heard from them in months. Is there a time framefor settlement. Should I settle (accept money ) from my own Ins co. I worry about either being dropped or substantial rate increase. Should be only claim on record. Ins co did pay me $500 for structure damage which also occurred at same time to our home.