My wife was out of work for 7 months due to her injuries. This was at a time when I was out of work (thanks Outsourcing) and we had no health insurance. Allstate would not pay a penny for any medical tests or procedures, things my wife absolutely needed. We were trying to be reasonable, but they just kept up their "settle the claim now before knowing the true impact and full costs of the injury" stance.
We have paid auto insurance for 35 years, and both have zero tickets and zero accidents. And yet this is how we were treated when their at-fault driver broke the law and injured my wife.
It's a wonder I am not in jail, for going Postal.
Much arguing between them and my husband, and finally we got them to give us a semi-fair price for the vehicle, as long as we waived any medical claim. (My husband had been taken to the emergency room but our insurance had covered it. We were unsure if he would have any long-term dmaage from the accident.)
Well, we signed the agreement because we needed to buy a new car, and received a draft which we deposited. After about a week, my husband said, "Hey, they didn't ask for the car title."
We called a lawyer we knew who told us that our signature and the draft consituted a completed transaction, so the car was still ours.
So, I rendezvoused with a junk dealer from Kentucky (we were in Evansville, Indiana) along with my two children and sold him the car for a tidy spot of cash.
Three days later that claims adjuster called for the title and BOY was he mad! HA! I still smile when I think about it, all these years later.