You never have to accept an offer from an insurance company. You certainly don’t have to accept an offer from the other side’s insurance company that’s for less than the repair cost of your vehicle. That insurance company is going to want to pay as little money as possible in order to close the client. What do you want? You probably just want your car repaired properly and quickly. If the insurance company doesn’t want to do that, usually, you can get them to move by saying, “Look, your customer is the one who caused this damage, so your customer is the one who owes me the money. If you are not going to pay it, I’m going to sue your customer. Are you telling me that that’s what I need to do?” Most of the time, they’re going to be more reasonable with you then.