Was the freight ppd or freight collect? If the freight was ppd then the shipper has the contract with the carrier. In order to complete the claim the freight bill must be paid. The shipper must file the claim. Shotgunjones has it right. This will likely take 60 days, but be persistent and don't quit. You will likely get a settlement equal to the value of the repair cost (which may require an estimate to be submitted). You are not entitled to more than the actual cost of repairs/replacement or insured value, whichever is the lesser amount. The burden is on the shipper (if ppd) to prove repair/replacement value. BTW this is a Federal issue, not state because of interstate commerce.

Jim