When Insurance Lowballs Your Car’s Value—Ask Them to Show Their Math!

It’s a story as old as car insurance itself: your beloved (but not-so-new) vehicle gets into a fender-bender, the repair costs make zero sense, and suddenly you’re at the mercy of an insurance adjuster’s “market value” calculation—which somehow feels like it’s been plucked from an alternate universe. Most of us sigh, grumble, and accept whatever’s offered. But not u/SmolHumanBean8 from Reddit’s r/MaliciousCompliance. Oh no—they brought receipts, spreadsheets, and a healthy dose of consumer law to the table.
The result? A masterclass in how to (politely) call an insurance company’s bluff and walk away with $2,500 more than their “final” offer. Let’s dive into this tale of data-driven, law-backed, deliciously polite malicious compliance.