Cat -

Just remember, eventually you WILL get ADR. Its only a matter of time. Either you win the appeal, or eventually insurance companies are just going to start covering it. Its like holding back the inevitable...just like hip and knee replacements...this will come.

I'm sure its been mentioned but just in case...Im going to. In Europe, at least with Zeegers or Bertagnoli, the cost of a 2-level replacement is under 30K. My one-level was 22K.

This is the price of a decent American car. If I were horribly suffering or there was no end in sight, I'd take out a 2nd mortgage or sell what I had that was really valuable. Consider how much your last car was and what the total costs will be when factoring in interest. Does this cost more than the ADR? I know this can be insensitive if you dont have the money, but I thought I'd raise it.

When I wanted my ADR, I went from buying a 25K Checy Avalance to buying a 10K used PT Cruiser, and then spent all my savings. All of it.

I apologize if this is not at all possible for you.

Paul