Well the insurance company finally called...

They're right you have to think of it as a first lowball offer and then look up the value yourself plus the parts and all the install time at a shops rate as well. I used to work in that industry years ago. Also if they are not co-operating with you mention you will be speaking with the "D.O.I." Department Of Insurance. They are the federal regulatory agency that is in charge of keeping insurance companies in-line. That is a red flag to them and they hate to deal with them. They are like the IRS on a bad day. They show up and shut things down to investigate all files, cases, and databases, for days or weeks even. Loss of business revenue due to shutdown is a big deal to them. Threatening lawyers or suing will not do anything but mentioning the D.O.I. Stops them in their tracks and raises the flag.


D.O.I. = Department Of Insurance