I realize that most laws pertaining to these types of things are insurance-lobbied and drawn up to minimize the compensation to any victim. But despite the fact that insurance companies' profit models protect their shareholders first, lawsuits are won all the time in which the compensation awarded is for more than the tangible machinery that has been lost. Damages are often paid for pain and suffering, etc. But for those (possibly rare) individuals who do not greedily want some windfall but simply a little compensation for their time, anguish and the hassles that these things generate, are they wrong to ask for it? Are lawyers the only ones whose time is valuable? If I cost you a few hours of time you'll be the first to pull the trigger on the billing meter. Does that right only apply to you? Well, although I have no intent to resort to this, at least the law still allows that we too can use lawyers against each other. Unfortunately, it is their well documented greed that has promoted this climate of getting more than you're entitled to by encouraging their clients to sue for much more that they're truly entitled to. Although you might not be able to comprehend this, there are still some people who don't feel way. Its too bad that if one asks for merely what is truly a 'fair' settlement instead of suing suing for the moon and negotiating down, they become legal machine roadkill.