Accident reports do not indicate or imply faults, at least to insurance co's, they do their own investigating. They can also do split fault on some cases. For an example: car pulls out in front of you, causing a collision but you were speeding. Insurance company decides their client was 75% at fault, and you are 25% at fault. The claim amount could reflect a decrease in payment to do split fault/liabililty
Figure out how to put time on your side, whether you try to fix your vehicle or replace it on your own. They are betting on settling their deal asap, desperate people will settle for lesser claim amounts. Also they are there to make a deal in their favor and the first offer is a low ball (unless you think it's fair).
When my truck got hit and totalled, their ins low balled me bad. I replaced the truck 2 days after, so I did not need to dicker with them quickly. After going back and forth for about 6 mos they finally settled for what I thought was fair, which was a little over $5k difference
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Today's Featured Article - History of the Nuffield Tractor - by Anthony West. The Nuffield tractor story started in early 1945. The British government still reeling from the effects of the war on the economy, approached the Nuffield organization to see if they would design and build an "ALL NEW" British built wheeled tractor, suitable for both British and world farming.
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