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Duke, firstly, glad your kid's okay.
I've got commerce insurance, and had the same problem. Case in point: Got buttpacked at 16 (so this was...1998/99?) after having my car for 2 weeks. Mint early 90s Pontiac Sunbird convertible, new top, white leather interior, 70,000 miles. Got totaled and I got, I think a bit over $3000? I was a kid, though (still am, just an older kid), and I didn't know better. Not to mention they never gave the alcohol-reeking dude a breathalyzer test (again, another kid mistake not communicating correctly with the cops and just sitting on the sidewalk bawling).
Seems like the thing about insurance is it's a "better than nothing" deal. It never totally covers your losses; it just makes them less sucky. I'm not sure how much room there is for negotiation with insurance companies. Maybe it depends on your appraiser and the agent handling your claim. Are you getting a second opinion from a different appraisal company, or just having the same one take another peek?
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