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There are fair and unfair tactics that insurance companies use. An insurance company is obligated to repair a car with a like kind replacement.  Repairs that are made from an insurance companies own inspection rather than from a body shop are subject to being undervalued or lowball estimates.  These estimates are rarely equal to what it actually costs to repair the damage. Often such estimates will only partially repair the car or they will underestimate the cost. In other cases the insurance company may prepare the estimate based on non factory parts.  

In preparing an estimate for repairs or replacements the insurance company may also lowball the estimate for replacing your car they often have hired experts that are paid for their opinions which almost always are too low for you to purchase a replacement. 

Two similar tactics that insurance companies use is often claiming that there is no legal liability or coverage.  If you accept this as true the insurance company hopes you will give up and go away.  Insurance companies may also often claim that the statute of limitations has run or that you had to make a claim by a certain date when that is false in hopes that you will accept this and go away.  Before you ever give up you should ask the opinion of an attorney instead of accepting these tactics.  Often they are simply hoping you will go away.  If the insurance adjuster truly believes this is correct then he will put it in writing to you.  If he is lying he will probably refuse to put it in writing.   

By making an offer to settle for an amount within the policy limits you may also be able to hold the insurance company for a claim well in excess of the policy limits.  If the insurance company unreasonably refuses to settle for an amount within policy limits it may be held by its insured to have unreasonably refused to settle and pay the claim leaving the insured to pay the balance.  This tactic is often used by plaintiffs lawyers if they have a very good provable case and the insurance company is refusing to pay.  This in effect sets up the insurance company that has a 50,000 dollar insurance policy and who thinks that they shouldn't have to pay over 25,000 for a million dollar lawsuit.  By a refusal to pay 50,000 when they may now have the risk to pay 1,000,000.  You should always request a copy of the policy for tactical reasons so that you can use have the option of this tactic.

One thing that you should always keep in mind is your injuries if you have not reached your maximum medical recovery you need to wait until you find the full extent of your damages.  You never want to settle for less than what you  should. 

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