<prompt> Human: Is it standard practice to accept whatever the insurance company says I am owed, or is this a situation where I should try to negotiate with the company? I have broad collision coverage with a 500 deductible. This is my first time in this situation.  <response>: is this a situation where I should try to negotiate with the company?If they dont offer fair market value then by all means, negotiate! If they do offer FMV, take it. 