[ZTWsquared]

Where did the $5k repair figure come from? If it's from their adjuster why not get a couple of quotes from reputable body shops or hire your own adjuster.

I think part of the problem is that insurance companies get too much money for the write offs, many of which find their way back on to the road as "salvage" vehicles that someone has piece-meal put back together.

Also: as a tactic I agree with inundating them with "evidence" and you should also see if you can find a lawyer that will allow you to put his name as a "cc" on all communications.

I'm lucky that I have a brother who lets me do that for such situations for free, and often it does increase the awareness of just how serious you are.

The other thing, assuming the insurance company is paying for a rental replacement, is to simply refuse to accept their offers - at some point the cost of the ongoing rental will become a sticking point and they will become a bit more maleable. They will threaten of course to pull the rental, but just threaten them back that at the end of the day they will end up paying for it - voluntarily or otherwise - referencing the lawyer.

Additionally - simply as a financial matter, assuming the worst and you don't get everything you should get, make sure that all personal injury claims are kept on-going until the car thing is settled - and if you haven't pursued any personal injury claims, well - do it now.