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Bob, definitely consult with an attorney before accepting that check. If attorney's fees are far less than 40% of what you're owed, it will probably be worth it.
After my dealings with the insurance co. this past year and them trying to f#$% us over at every turn, I now think its just their way of doing business. They know a percentage of people won't fight it. Than they know they will win percentage of the cases. In the end, even if forced to pay, it cost them little. Their attorneys are on payroll already. And by the time they pay, look at all the interest they gain on "your" money.
Losers.
Stick it to 'em and don't let 'em off easy.
And good luck with the other job... and let's fish soon. I have some family in next weekend, so I should have some freedom.
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