Good luck with Farm Bureau, in my work for car dealers, handling subrogation, I have found them to rather obstinate in their payment of damages for the liabilities of their insureds. In Kansas, Missouri, Oklahoma and Colorado, where I have direct experience of 9 accidents in the last 5 years, 5 required filling suit, where upon they settled, 3 went to mediation, and I we refused to settle and successfully sued them.
If you have full coverage, that includes rental, you can file with your own carrier and they will handle the subrogation including recovery of your deductible against Farm Bureau and provide you with a substitute auto under the terms of your policy.
Some vocabulary words and terms you may find helpful, Vexatious Delay, the willful delaying of payment. Unfair Claims Practice, visit the Colorado Insurance Commissioners web site. Colorado may or may not allow collection of punitive damages against an insurance carrier for violations of its insurance regulations, in Kansas we can collect attorney fees but not punitive damages, Missouri allows both to be collected.
If you are forced to obtain an attorney, bring up the topic of Diminished Value, even repaired your vehicle is worth less than if it had not been wrecked. Some states have enacted legislation, regarding diminished value, but if you are forced to bring suit it is an excellent bargaining chip. If you are forced to retain consul, make sure it is one that has experience with insurance subrogation, and not one of the personal damages types whose interests are mainly to get the maximum contingency fee available. I normally see fees that range between $115 and $165 per hour for firms that deal almost exclusively with insurance matters
The good news is neither your nor your family were apparently injured, but it has been my experience that the longer a settlement is delayed the more likely it is that a claimant will begin to notice a dull ache in their neck, or back, or soft tissues, that are impossible to find on x-ray, MRIs, or CAT scans, and this pain seems to become more pronounced and severe the longer settlement takes.
Life is no joke but funny things happen
jon