I guess it is sheer bad luck. I do not think either the insurance or the Mercedes people will offer you anything but consolations. However, suggest you wait patiently. There are two people Molten Metal and muad-db who put in their comments at QL on such matters. They will advise you to wait for "three days" for the matter to get solved. Frankly, I am yet to understand how problems get solved within their "Three days" they state so very often.