We had a very disappointing experience. Our van was hit by a commercial vehicle that was covered by Sedgwick. It was difficult initially to even get ahold of anyone there. Eventually we were able to make contact (2 weeks?) and it was an absolute mess. They were dishonest and said they appraised my vehicle (I had it with me the whole time and it was never appraised) but couldn’t name by who or when the appraisal happened. Obviously it never was as I was driving my totaled vehicle around town for MONTHS because of how long this process took. While on the phone, I was told she was looking at photos of the inside of my van (Honda odyssey). I asked her to email me the pictures. They were photos of a trashed Toyota sedan…. They only offered me $7600 to replace my van and I sent them pages and pages of comps. They said almost every singe comp was unable to be used even though I followed their instructions exactly. The ones they could use did not change my offer because they use an undisclosed formula to calculate the value and each comp was weighted differently. It was so frustrating. I finally listened to advice of friends and went through my own insurance company (I had worried the subrogation process would be a mess). My insurance company first offered me over $10K for my van, but after they looked at it they fixed it literally in 2-3 days. So Sedgwick could have fixed it initially, or if not should have obviously paid more for the totaled vehicle. They were dishonest and responded SO slowly, sometimes took two weeks to hear back. The only positive is that they didn’t give my insurance company a difficult time in subrogation process. They were probably glad to see they had to spend less than their initial measly offering since the van was fixed at a lower cost. The whole thing was SUCH a headache!!!