I couldn't agree more!!!
I just spent 45 minutes on the phone with them & basically it appears that they make a judgement call on whether to total or repair. There's no 75% standard that they use. They also indicated that they do not accept counter proposals in VA (which I submitted last night), only for MD residents because it's state law.
They basically suggested I take one or two next steps:
1. hire a licensed vehicle assessor in VA to provide a counter assessment (won't honor Richard's because he's not licensed in VA).
2. pay to have body shop tear down the VehiCross to verify that there's no additional damage other than what's listed in the estimate.
Notice the words 'hire' & 'pay'. As a victim, I've got to invest in the process to make myself whole!!!!
A manager is supposed to call me back. If I can't get any resolution, I'll have to go legal. It's the last thing that I want to do but now it's the principal of the situation. I'm just enough of an AH to refuse to be bullied by an insurance company .... justice will be done & BZBZZZ will roll again.