Since you didn't suffer any harm or damages, you likely do not have grounds for any legal action. I wouldn't expect much of anything out of this. I am glad you are unharmed. You can continue to talk and work with the insurance company and you may get some small settlement amount, but again, as you were not injured and thus, did not suffer any damages, there is likely not going to be any grounds for a legal disputer or large monetary settlement.
NOTE: This response is general in nature and should not be considered legal advice. No attorney-client relationship exists or is formed by this response.
Answered on Dec 16th, 2014 at 7:44 AM