Your recourse is to sue your insurer for "breach of contract"--that is, for violating their contractual obligation (an insurance policy is a contract) to pay a covered loss. There is no hard-and-fast time frame for them to complete the claim, but they are held to a standard of "reasonableness"--at two months, they are edging out of what is reasonable. You might give them  few weeks, then file your case. If the car's value is less than the limit for small claims court, suing in small claims on a "pro se" (as your own attorney) basis is very cost effective. To win, you will need to show that under the terms of the policy and the facts of the situation, they should pay; if you do that, the court will order them to pay.