This is written from the point of view of a body shop owner. I worked with adjusters every day and found most of them to be just ordinary folks trying to do their jobs, which to them is looking at a number of cars, making certain decisions, and turning in the paper work. Their job is not to represent corporate American greed. Most meetings end in agreeing on a cost of repair. Occasionally we agreed that the car was not repairable. The adjuster then must establish a value, pay the owner or order him to be paid, and arrange for disposal of the car. She wants to do these things as quickly as possible because there are many more wrecks to see today.
I have found that the way to the highest pay check is to be friendly with your adjuster, and make her job as easy and non-time consuming as possible. If you want ordinary book value, you can be firm, or confrontational. Her report might say you were belligerent. If you want high book value, be friendly. Her report will say it was a nice car. If you want more than book value, provide evidence that can be added to the report. Make it clear early in the meeting that you want to save her the time of calling towing and auction companies, you want to keep the car.
Unfortunately, there are adjusters who think they do represent American corporate greed, but they are few and most of them work for a single company.
Your adjuster is the one who decides how much you get paid, the cop in your mirror decides if you’ll be fined. I advise friendliness and cooperation with both. Firmness may cost you.