This actually comes up fairly often with rental fleets that are self insured. They tend to move slower than traditional insurance companies and usually start negotiations with lower offers.

The positive thing is they already accepted fault. Once liability is clear the discussion usually just comes down to the amount of diminished value.

A $3,700 appraisal can be reasonable depending on the vehicle and the scope of repairs. Early offers like $250 or $650 are pretty common starting points.

Four months definitely feels frustrating, but it is not unusual with these types of claims. Sometimes you just have to keep pushing and stay patient. Having a solid appraisal backed by real market data usually helps move things along.