My question involves insurance law for the state of: Oklahoma
In March 2014, I had my manufactured home moved to Verdigris, Oklahoma. The owner of the mobile home park I was moving it to paid the house mover as one of the incentives they were running last year to get people to move into the park.
During the move of my house, the mover ran my house up against some concrete construction barriers and caused $1600+ worth of damage to the outside of my house and damaged some of my shingles. After filing a claim with the mover's insurance company and waiting 9+ months, the insurance company is wanting to pay me the amount of the claim, minus the deductible because the mover is refusing to pay it.
When I called the mover, he still refused to pay the deductible, saying that he didn't agree with the claim amount. He then threatened to countersue me for slander if I sued him, claiming that I told other members of the community that he didn't block and tie down my house correctly and that he probably did the same thing on the other homes he moved into the park (which was later CONFIRMED and the park manager had to pay another mover to relevel, reblock and resecure the tie-downs on several homes).
Upon looking at past suits against him for the same type of problems, it appears that when he gets a judgement against him, the plaintiff is never able to collect because he just changes banks to hide his money from garnishments.
I have not accepted the settlement offer from the insurance company yet because I don't know exactly who to sue. I am certain that I need to file a small claims suit, but I'm not sure whether I file it against only the mover, or to include his insurance company as a defendant. Should I keep holding off on accepting the his insurance company's settlement until he comes up with the deductible?
Thanks in advance!

