Have you tried talking to your insurance agent, as opposed to an adjuster for the company they represent?(Assuming, of course, that you've got a local insurance agent with whom you have some sort of ongoing business relationship.) My wife was rear ended in our van last October and our agent has been incredibly helpful, guiding us through dealing with the other driver's insurance company to get a fair settlement. He (and his staff) have also been very helpful over the years in getting us the best deal for appropriate coverage--I've shopped them against all of the competition and they always have the best coverage for the best price.