DerbyDad03 wrote:
Situation: 10 YO vehicle, 160k miles, excellent condition, inside and
out. Hood, windshield, fender, etc. is crushed by fallen tree during
a storm. Vehicle has comprehensive coverage. Ins Co has not seen the
vehicle yet, but based on the age and damage, the owner assumes his
Ins Co will say the vehicle is totaled.

Are there any special strategies for dealing with the Ins Co?
Obviously the settlement won't be enough for a new vehicle, but can a
higher settlement be negotiated based on the previous good condition
of vehicle? Anything specific to say (or not to say) to the adjuster?

Add to what others said - if the insurance company refuses to budge, tell them
you will rent a car on their bill until you can come to an agreement.