How do I negotiate a lowball ~$1,400 diminished value offer up?
Other driver's insurance (USAA) accepted 100% liability, repairs are complete. Now in the diminished value negotiation stage with a third-party vendor the insurance company contracted to evaluate DV (not the insurance adjuster directly).
Their rep called and quoted ~$1,400, pressured me to accept immediately over the phone, and implied she'd submit it for payment regardless of whether I agreed. I declined and asked for time to review.
I've submitted my own market comparables and other valuations showing the vehicle's pre-accident value, and formally requested the formula/comparables they used to arrive at $1,400 — in writing.
My main question: how do I actually negotiate this number up effectively?
• What arguments or documentation carry the most weight when pushing back on a DV evaluator's number?
• Should I counter with a specific number, or ask them to justify theirs first?
• Is there a typical range insurers actually pay out once you push back, or is the first offer usually close to final?
• Any tactics that worked for you in actually moving the number significantly?
Previously settled a DV claim with a different insurer (unrelated accident) via email negotiation and ended up well above their first offer. Trying to replicate that success here and would appreciate any concrete strategies.