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I know I had a similar fight with insurance in this part of the world as well, though around here, the INSURANCE gets the assessment done independently.
So I was sitting at 82% of value in damages EXCLUDING body panels (this was a Volvo, the engine drained of oil in an accident and seized, aircon shot, etc).
The Insurance got to ~60% of damages. I asked where they got the quotes, and got no response. So I argued that unless it was an authorised Volvo dealer, they were trying to shaft me. Since I saw the only Volvo dealer for my quote, I knew it wasn't. They tried to argue that the Aircon was not working beforehand, which was not true since it was running and working at the time of the accident (i had witnesses to that).
They tried to argue that things like the engine mountings didn't need to be replaced. I argued that with safety: "My Volvo dealer, clearly the autority in this matter, states that the engine mountings should be replaced as a safety precaution when replacing the motor..."
Eventually, the gave in and wrote the car off.
Safety is a BIG argument, and if the frame has even a ding in it, I would try to argue structural integrity in the case of an accident.
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