I haven't filed a claim since May 2000. At that point I was rear ended at 70 MPH by a negligent older male driver. My boyfriend was driving my car, and traffic was going slow to avoid this gianormous boulder which was rolling alongside the road (obviously fallen off a construction vehicle). Traffic was going about 30 MPH. The car two cars ahead of us went down in to the ditch and back up to avoid the rock. The car directly in front of us sped past it, causing a draft and causing the rock to "merge" with traffic. We hit the brake to about 20 MPH in an attempt to dodge the rock. At that time, the idiot driving a truck behind me rear ended us and we launched about 200 feet, hitting the rock in the process. Because we were in the process of stopping, we hit pavement, bounced and launched 200 feet, and came back down. I had a lime green car at the time, so I'm sure we looked like a frog
Both the driver's and passenger's seats were broken. The only thing holding the driver's seat in were the electric wires for the power seat. It bent the axle, making the car undriveable.
I filed the claim with both insurance companies, though his was ultimately responsible because he was 100% at fault.