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?