The insurance company is a commercial organization whose goal is profit. For this she is directly interested in understating the amount of damage. Their experts protect the interests of insurance, not Yours, if the amount which you feel is not enough to repair the car, refer to appraisers who are not interested in understating the amount of damage. Success, be careful driving a car. Well, if you need an independent examination of the car after an accident , you already know where to go.