I hate how much I want that horn of greed.

Can’t have the promo Tifa without the promo Aerith

The final Season's Beatings card:

You’ll likely have to contact your Insurance Agent to have them go over your policy with you. There could be something in your policy that gives them that ability. Or your adjuster is lazy and just trying to get a quick closure on it.

I work in property claims. It’s a bit different than auto, but here’s my two cents. It’s a bit weird they are offering you more than the repair costs for the vehicle. Generally, a company won’t offer a payout unless it costs more to repair than the fair market value of a vehicle.