Ooh nasty. Managed to smash up my Focus late november, did me a favour in a way as I was about to sell it to buy my Disco, ended up ringing the bloke I was buying it off, "Good news mate, you don't have to wait for me to sell my car. Bad news too though, you've now got to wait for me to get a cheque off Norwich Union.". They even paid me more than the car was actually worth.
Did however have problems actually getting the money off them. "Yes sir the cheque is in the post.", repeatedly over a 3 week period. Eventually persuaded them to cancel the cheque (which I still suspect was a figment of somebody's imagination) and pay the funds direct into my account, and that was with constant harassment, ie ringing them every day until they got sick of hearing my voice.
Hope you get it all sorted out.