This company rips off their victims by refusing to assume FULL responsibility in accidents for which they are liable. They force the victims to obtain the damage estimates. Then they offer the minimum. They attempt to get the victims to sign a release and accept payment based upon estimates so that they are not legally bound to cover any actual subsequent expenses discovered. Which means out-of-pocket expenses for the victims. They refuse to deal directly with a dealership or rental agency. And they expect the victims to monitor every aspect of the claim.
They wait out the victims until frustration leads them to file a claim with their own insurance company, or even take legal action. Which means out-of-pocket expenses for the victims. The losses then have to be recovered from the company after the fact. And even though in the end they pay, and pay more, it appears to be worth it to them so as not to have to do the work involved to settle a claim with their victims. The pain and suffering of a victim in a case where fault is not certain must be horrifying. For they surely would endure much worse.