Gordon Shumway wrote:
On Wed, 18 Jun 2014 08:21:09 -0700, "Bob F"
wrote:

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.

Apparently your knowledge of "comprehensive coverage" is lacking.
Typically, comprehensive coverage does not include rental cars.
Therefore, your suggestion of renting a car wouldn't make even a
rookie adjuster flinch.

It was very effective when dealing with the insurance company of the guy that
hit my car. Sorry if I don't know the details of every kind of claim.