My ex was hit by a toker on a gas powered scooter (like a little kick scooter) going the wrong way on the sidewalk way too fast. He planted his face (no helmet) into the quarter panel of her mini van. I took one look at stoner and decided I would push out the dent myself and not report it to the insurance.
3 weeks later the guy made a claim against her insurance. The insurance company called, we sent them a police report and they gave us $1500 for repairs. 3 years later we received another $500 (for her deductible) because the insurance company took the total amount out of the guys pay check.
I would fight them on the depreciation... it was iron, not wood. Insurance companies are the scum of the earth but some times they actually can come through for you.