Dang bro, I sure hate to hear this happened to you. I know it's a pain anytime you have a loss caused by someone else... and then have to deal with their insurance company, who you know is going to try to cut their losses anyway and anywhere they can.
Best of luck to you gettin' it all settled, but I believe I would be patient and/or write off whatever amount of fishing time necessary to get whatever settlement you believe to be fair or reasonable.