Well, sounding like a broken record...OUCH! I am glad everyone is OK. Awesome news about Farmers, that is who mine is insured with. We've had good luck with them in the past. I had a '97 Montero before the VX, and last year a squirrel got under the hood and chewed the main electrical harness and the EFI harnes to bits. Over $2800 damage! Farmers didn't bat an eye and paid up. Since it was over 10 yrs old, Mitsubishi didn't even stock a harness.
Praying all goes well.....robert