I really hear ya on insurance companies I'm sure everyone has a story. I can recall I got slammed on the highway in my 1998 Dually that totaled the car that hit me but only put a small scratch on my bumper and bent the brackets as the hitch took the blunt of the hit. I immediately called the accident in for a claim and ordered a new bumper at my dealer.
By the time the adjuster called me I already paid cash for the bumper and had he dealer install it. I faxed a copy of the PAID invoice to the adjuster and he called me. He offered me less than $20 dollars then what I paid! I told him all I want is the money I'm out of pocket! The asshole just kept arguing with me saying that is ALL they will pay,I shit you not!
I was so pissed at this point I told the adjuster that I had a sore neck now a week later after the accident and said I'm seeking legal advice and going to the hospital and slammed the phone down! Five minutes passed and now he was blowing up my phone at home ,my office and cell wanting to settle!
The next day I received a overnight letter with the check in the FULL amount I paid. Over $20 bucks I could have easily sued for THOUSANDS and easily won! All I wanted was my out of pocket money. I took the check and that was the end of it. I couldn't believe it!
But nonetheless a scam is a scam. But I do wonder if you ran something over in the road the punctured your oil pan if they would cover a engine? I also have never been asked about modifications. I have Allstate now but I've always was treated well with Liberty Mutual. Long story why I don't have them anymore
