Just here to commiserate. I am currently dealing with a total loss settlement myself.

I hope you, your wife, and any other involved parties are well.

Lastly, if you are an American, do NOT settle medical claims. You have a long time to figure that all out and the insurance company wants to give you as little as they can possibly get away with and what ever you sign is the final amount they will help with. In Texas, you have 2 years to settle bodily injury claims. Take the time you need before you settle.