Buy your own radiator and do the work yourself.

Front wheel drive, or rear wheel drive, a radiator is a radiator, and they are all mounted right in front of the car with usually no more than 2 hoses, these may need changing, and possibly 2 transmission cooler connections at the bottom, and two clips/clamps or bolts at the top.

That’s all there is, just watch out for what comes from where, use a note book if necessary, and remove the hardest to get to connections first, the one’s on the bottom & if you have the transmission cooler lines, and of course the top and bottom radiator hoses.

You’ll need a set of sockets, a pair of pliers or the correct socket, probably with at least 10 inches of extensions to remove the clamps from the hoses, and some fuel line wrenches to loosen the transmission cooler lines. And maybe a longish screwdriver to slide up under the hoses to break the seal so they can be twisted off.

This a really hard job, that just about anybody, man or woman, can do. And no special skills are needed. Just a little time and a willingness to save quite a bit of $.

On Caveat here though, on some imports you will need to bleed off the air from the engine, so buy a temporary subscription to an auto repair site or buy yourself a Haynes manual for your car. These aren’t very good for most auto repairs, but for bleeding off a radiator, they should work just fine.

In future, remember to put your car information in your question. It’s easier to help you.
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Mechanic since 1960

The issue with that system is medicine isn’t perfect, although I may go in for an appendectomy which take 45 minutes, no complications, no interaction, no special equipment, the guy behind me in line may have a heart condition and require an anesthesiologist to oversee every moment, may require a cardiologist on call, he may have excess bleeding, become septic and require months of intensive care for the same procedure I simply got up and walked out of.

Medicine is more an art than science. Becuase each patient is unique in their needs prescribing a system of care would only lead to a decline in care.

Lets face it a certain car is similar to all the cars off that production line. People were not built that way.
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To answer the question "would that system work?": I think it probably would work, just alike allot of different ideas will work. I just don’t think it would be any more efficient, and probably wouldn’t bring about much forward progress as far as costs or coverage are concerned.
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The human body is far more complex than a car. Too many possible complications to say for sure a procedure will take x amount of time. I would rather a doctor take his time and do it right than rush through to meet a deadline.

Government set rates/prices are usually a bad idea that screws up the economy. Just look at the economies of the soviet union, north korea, etc.
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The only "mistake" you can really make is to forget to calculate one of your medical bills and end up with it not-paid-for. The pain and suffering is entirely subjective. Your goal is to feel them out for how much they’re willing to pay to have you go away without going to high as to cause them to slam the door in your face while laughing. The person on the other end of the phone is an adjuster who’s credo is most likely "A good claim is a closed claim." Being wishy-washy isn’t helping.

Your current letter comes-off a bit "woe-is-me". "I’m depressed", "I’m unemployed", "I’m incapable of dealing with the property damage part of my claim with the correct level of assertiveness". This does not project the level of confidence you need to get this done with.

"Dear So & So, Per your request I’m sending you a summary of my claim with your insured. My total medical bills are $xxxx. (itemized below). This accident has caused me a great deal of physical and psychological distress as it occurred during a period when I was already unemployed. The negligence of your insured did not help my situation. Despite the lingering physical effects of this accident I would like to put this incident behind me and I would offer to settle with your insured at this time for a total sum of $xxxxx. In exchange I will sign a full and final release of all claims against your insured. You may contact me by telephone to advise me of your acceptance of this offer at (xxx) xxx-xxxx."

Short and to the point. Leave the door open for a counter-offer, and expect one, and have a plan what to ask for next. Litter the letter with references to "insurance" and "insured" so if it all does end-up litigated they won’t be able to use much or anything in your letter in court. (Courts generally don’t allow juries to know whether there is insurance available or not in most states so the letter would be excluded or heavily redacted.) Don’t write anything in it that you wouldn’t want the insured’s lawyer to be reading to a jury two years from now. Note in the letter "at this time" or another phrase indicating that you could change your mind.

Also- make sure you are clear on whether your medical bills need to be reimbursed to somebody out of your claim settlement. Nothing worse than getting paid and spending the money and then getting a letter from your health insurer that you owe them money back that you no longer have.

You can do it.
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Claims Adjuster

Give us some more details. What, if anything have you received? from who?
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Regarding complaints, you can go to YOUR state insurance department website, and there should be a link there listing valid complaints on insurance companies.
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