OP, First off, glad you are ok!
Regarding insurance, someone made a good point about the "Act of God" clause, this is the ins companies new get out of jail free card.
If I were you, I'd delete this thread until you get a settlement. At least here in the Northeast, they are using every tool they can to deny claims. Not trying to scare you, just don't want to see you get burned, especially since this is your only mode of transport.