My brother, who practiced law in Tennessee for 30+ years had a standard procedure for dealing with State Farm- - - -SUE! They would usually make a good settlement of a claim, but it almost always happened on the courthouse steps a few minutes before a trial began. Negotiating with an adjuster was an exercise in frustration, especially if any kind of injury claim was involved.
Jerry

"It is better to be silent and be thought a fool than to speak and eliminate all doubt!" - Abraham Lincoln
Cringe and wail in fear, Eloi- - - - -we Morlocks are on the hunt!
There is nothing noble in being superior to your fellow man; true nobility is being superior to your former self. - Ernest Hemingway
Love your enemies and drive 'em nuts!