If you want to put the fear of a higher power in an insurance company, read what a bad faith ruling from a judge is worth.if you provide proper documentation and a written claim,and the judge finds that the insurance company acted in bad faith,there are severe financial penalties for the insurance company to the person who owns the policy. File your own claim.in my state you don't even have to allow the adjuster to view the car. I however did. He was very smug and cocky.I warned him that he was on private property as a guest and would be immediately escorted from the property if necessary. I live in Ohio and the rules here were very favorable to me.