Do I have a sufficient counterclaim?

Contact your insurance immediately to have them cover the damage.

What if a teen with drivers permit and no adult license driver wrecks your teenage daughter ,can we file a claim on the driver

Yes. The insurance follows the vehicle. You will want to talk to a lawyer to get further information.

Is my lawyer moving quickly and efficiently enough for my cut and dry accident claim?

Your attorney should always keep you in the loop as to what's going on with your claim. There are times your attorney may not be able to get back...

This does not seem to be in line with what I have seen in the past. I would suggest you file an objection to the findings and then make...