You have to be on the offense like I said above. You have to dictate to their insurance company what you expect and stick to your guns.
When my 2005 Subaru Impreza 2.5RS was totaled in 2014 after a careless driver hit myself and my eldest daughter head on, I got to experience firsthand in dealing with the “other guys insurance”.
They first tried to lowball us on replacement value, coming in at $7,000 for a $10,000 car, but I was able to use pictures and witnesses to prove the condition of the car was beyond exceptional, and that it had been maintained better than the average car its age. I then found other comparable cars for sale to prove that my claim was justified, while they were trying to use the low-end of the value.
When they still wanted to haggle with us, I started to nickel and dime them for every little thing that was in the car that was destroyed (plastic containers, ice chest, suitcases, etc) as we were bringing back most of my daughters things from college.
My son another daughter who weren’t in the car with us, while I was in the hospital with my eldest daughter, went out to collect everything from the car and put it in a big pile and took pictures of it. We even claimed the clothing and shoes that were on our bodies when it was cut off of us in the emergency room.
In the four days between the accident on an icy road in Kansas and my other kids leaving Colorado to collect our belongings, $1500 worth of item were stolen from the car (which had broken windows and both doors on the right side cut off to get me out) including cameras, Speakers, jewelry, hard drives, etc. Fortunately I had photos and the original boxes with serial numbers and/or receipts for all of the items stolen, and filed a police report. Then I proceeded to go after them and the towing yard for that as well. The accident happened while my other kids were still taking finals for college and high school so there was nothing we could do the pick up her items sooner.
I was very tenacious and they ended up replacing the car, both of our laptops that were bent, everything that was stolen, and everything else that was broken. My lawyer said I was doing such a good job dealing with property claim that he was able to focus more on the physical/medical damage claim for my daughter and myself, where we both broke both of our legs and my daughter is permanently disabled after the accident with a painful right ankle fusion. She spent 20 months in a wheelchair and went into the operating room 4 times over a year and a half.