waited a month before they paid off. I guess they wanted to wait and see if it was recovered before settlement. Worst part of it was I had all my golf equipment ($2,000 worth) in the hatch area (just go home from a tournament) and it wasn't covered. They said my homeowners insurance should of covered it. I was renting an Apt. and had renters insurance but it didn't cover the clubs..... Hope things work out for you, it's one of the WORST feelings in the world to have your ride stolen.....especially a Z!!!! Good luck!!