She's a Goner.

Good luck with your situation. You gotta really bug that insurance company to get money for your car from them. They aren't in any hurry to hand out money, call them every day and drive them nuts. I had a car stolen and burnt to the ground many years ago, mint 98 neon expresso, so Ive been there. Also dont be scared of them, dont take the first garbage offer they give you. Counter with a high price, find a few nicely priced comparables if you know what I mean and show them these and stick to your guns. As far as law suit I'd be going for the kill since he almost killed your family!