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Adjusters
Tell your adjuster you do not want a "economic" or "constructive" loss settlement that you want a "comparative" settlement. Look at the Appraisal Clause in your policy. If you and your insurance company do not agree as to the settlement value of your auto damage claim, either you or the company may invoke the Appraisal Clause. That means you would hire an appraiser to represent your interests, the insurance company would hire an appraiser to represent their interests and those two [2] would hire a third appraiser to act as "umpire" or "Referee". In the event the first two appraisers fail to reach an agreement as to a reasonable settlement value, they would each submit their respective work product to the third appraiser for determination.
It's a bunch of work and in your case there is not big $$'s between you and the adjuster - probably will allow you to get repaired.
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