Meloche Monnex is my broker - I went through them because I obtained several quotes when hunting for insurance and their price with my Alumni group discount was by far the cheapest. The actual insurance provider on the pink slip is Security national. I say this year because I noticed in previous years it said Standard Insurance or something like that so I guess Meloche Monnex shops around for the cheapest provider each year. I did pay for the accident forgiveness so my rates shouldn't go up this time. I filed the claim on Tuesday afternoon through a phone rep and was given the adjusters name and number, but haven't been able to touch base with him yet. I have left two Voice Mail messages. It didn't help that I use VOIP and my place had no power for most of today - there's a chance he could've been calling while the power was out. It was only supposed to be out from 9am-12:30pm, but it was out until after 3pm as the maintenance took longer than expected. I managed to hook up my phone to the emergency power in the hall before the phone interview I was supposed to have, but there was a power surge about 10 minutes in which reset my adapter and modem. Thankfully the interviewer was understanding and we're going to reschedule for tomorrow. 99% of the time the VOIP is quite reliable, but obviously isn't when there are power issues. If I had my car I would've driven to a friend or family members house. I hadn't given my cell number since it's an emergency pay as you go phone, plus it was low on batteries due to the outage (didn't realize there was power in the hall until I was about to leave to go to a public library to access the net and get in touch with the company at about 2pm). My in-laws are going to lend me a car on Saturday if I don't have rental coverage. I'll bring up the term subrogate when I finally connect with the adjuster. I don't have a specific broker. I have a company that acts as a broker and they have a call center full of reps. I have been assigned an adjuster, but haven't been able to speak to him yet. Thank you all for your thoughts and advice.