The thing that killed me with the car is that I had to use the totaled out money directly to pay off storage fees. It was $400 per day for almost solid month. I ended up owing money more than the total value of the car post fees. I thought the Agent that you sign up with had a bit of independent decision making skills with stuff but turns out most of them have zero autonomy, once you go into the claims process it's handled by the main company which are hugely non responsive and just bleh.
Brother thing, it's not mostly about the money, it's mostly I don't know what to do. Im trying to get other family members working on it.
Estates, heh, I did get a lawyer, paid a cash retainer. Did the stuff for the basic intestate administration but there is a party that absolutely refuses to cooperate. Now I need a different lawyer (for real estate) and if you aren't connected it's hard to find someone.