Insurance companies at times are very efficient at collecting premiums but slow to pay claims. True in some cases but not always. Totaled my 16 year old car. Sometime the odometer switched from miles to KM. Dealer said problem was in the cars computer and only fixable with a new computer module. So I didn’t have it fixed. When settling with my insurance company they deducted value because of the high odometer reading. Took awhile but they added the value back in. The said they found articles about this issue on other similar cars and gave me credit for it. So first work with your insurance company instead of instantly getting into an adversarial relationship.