Seven more words for you: Please Let Me Speak To Your Supervisor
Your tone is important. Don't get angry or frustrated. Stay professional, and be *nice* to the adjuster.
He or she is just doing a job, so by being polite you can get them on your side.
(I say this having won a $5000 battle with my insurance company by being polite, and lost a $50 one by getting frustrated and annoyed.)
If that doesn't work (and so far it hasn't) politely ask to speak to their supervisor and be nice to the supervisor, while making a clear argument.
The headlight was fully functioning before the accident, despite the repair. But isn't fully functional now and it should be replaced.
Last edited by avincent52; 11-14-2012 at 10:39 AM.