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Don't accept shit lower than what you want. If they refuse to give lower than payout get a lawyer and sue the insurance company. It may take a while but in the end you will win and it will cost the insurance company far more than its worth.
My friend did this and walked away with everything paid + 19K in his pocket (that's after all fees including lawyer). Of course it took 2 years to get it but still. He would not even have sued if the insurance had not been trying to screw him.
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