Good Hands? You Be the Judge

One of my best friends is an insurance agent, so I have a rudimentary grasp of how those guys think. I've looked deep within myself on many occasions and attempted to be fair with insurance companies. I firmly believe that ridiculous lawsuits and unreasonable demands lead to higher premiums for all of us.
I want to be fair and I hope they will be fair back.
I have an example: My wife had a new car and about three weeks after she got it, the bumper was damaged. We filed a claim and took it to the dealership for replacement or repair. State Farm paid. We got a call back from the dealership saying that they would be replacing the bumper at their expense. They had attempted to repair it before we bought it and had done a poor job.
We returned the check to State Farm. They fell all over themselves thanking us. I only bring this up now to illustrate how we typically approach things.
Now, almost three weeks after a man insured by Allstate made an illegal left turn in front of my son causing a collision, I feel strongly that we are not being treated properly by Allstate. It took them five days to send an adjuster to examine our devastated vehicle the first time. The process, not all of it their responsibility, dragged out for 17 days before they decided the car is a total loss.
They are offering me $7,000 less than we paid for the car, which is a 2008 model. I had no expectation that we would get what we paid for the car. I mean, it's been driven for months and My Man put a lot of miles on it going back and forth from his girlfriend's house and delivering pizza. Still, I expected at least a couple of thousand more.
I surrender. I just want to get this behind me and move on with my life. The Allstate guy appears to be making an effort to be patient with me. Trust me, he got an earful along the way. Allstate wins. I lose. Now we have to go buy another car. Money down the stinkin' drain.

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