When I spun out on black ice in the dark, I had to contend with my own insurance company to keep a clear title. They offered IIRC $1500 and eventually cut a check for $5500. What finally made the difference was my pointing out that they set the bar at 80% of assessed value, but I pointed out that in Oregon it's 90%.
The other thing that made the difference was a big ice storm back East.
It's always bothered me that if someone hits you car, their insurance company instantly assumes ownership and tries to sell it back to you.