^This was learned back when I was in college and we had 3 family vehicles burned up. It was one of the vehicle fires I mentioned that started it.
Truck that caused the fire was 8-9 years old. Nothing left but steel components. Burned to the ground. Insurance was speculating on the mileage and condition. Claiming how “high” the miles had to have been on it based on age. They had no basis. That truck could have had a blown engine and 300k miles. They had no way of knowing but they tried to convince us of it. I went the other way and claimed how it was like new and only had _____miles. First liar never has a chance.
Our “new” car was also 100% engulfed. It was only 3-4 years old and actually was babied and pristine condition. They used a similar argument ( because that car was jinxed and had been hit and repaired 3 separate times since new). They attempted to de-value the car because they had history of previous damage. Umm diminished value doesn’t work that way.
Also claimed it must have higher miles than we stated. Lol.
The 3rd car, Z28 was also 50% cooked and totaled. It actually was a chit box. My sisters high school car. It was really a pile of ____. We got more than it was really worth due to its “popularity” and “value.”
I’ve had ins co try to lower the settlement on a fender bender when I wanted a check and not a settlement with a body shop. “If you repair it yourself, it will be cheaper, so we give you less $”. Again, sorry, that’s not how it works bud!