Take it to a shop of your choice and get an estimate for what you want.
Then you have a negotiating point.
Dealing with an insurance company can be tiring, but that is how they want it to be. Your job is to get the best deal and they want to find any excuses to not pay.
I have had several run-ins with insurance companies. Check with your state to find if they have anything like New Jersey’s “Commission on Banking and Insurance.” These guys will put the fear into an insurance company who is trying to go cheap. I had a flood totaled H2. With the help of the Commission I got an additional $8,000.00 dollars. Allstate fought tooth and nail for 3 months until I found the Commission. They rolled over in less then 4 hours once contacted by the Commission advocate who demanded a fair settlement (what I have been asking for all along). Allstate figured they had me over a barrel. How many folks can go out and buy a new car without the setttlement money? What they did not know was I had them over a barrel.
By the way I dumped Allstate and went with Geico for 2 cars, 1 Class A Motorhome, 3 motorcycles, 2 boats and the house. Allstate lost a lot more than I did.
