If the wheel took the brunt of the hit, that impact could have easily been transferred through the suspension and to the frame I'd imagine?
I agree with Chiarov. the suspension is designed to be sacrificial to protect the frame. However if the force was perpendicular to the car, then the A arms are loaded in such a way that they would be in compression and not give thus transferring load to frame.
Also, most insurance companies are not out to screw you (some cowboy adjusters might be like that but not usually the company). The problem the adjuster has is they need to justify the number, especially when its a big number. Since there is limited data in their database, they have to find supporting information. They try to come up with a number, but as you know, most of these cars are now trading private party so the system has very little Real Transaction Price data. I agree with the LT group and do the leg work, provide as many comps as you can to reflect the true actual price. Make sure your adjuster understands the market for these cars has shifted upward dramatically in last 18 months so anything more that a year old is pretty useless. Keep in mind that private party pricing is about 10-20% lower than Retail prices at dealer lots. The insurance company is suppose to give you the Retail value of the car from a dealer lot. Although you can use private party data to come up with a number, at the end I think you can make an argument that your number should be higher than those reflected by PP
Also, if your with a Direct Agent company such as AllState or State Farm, make sure you keep your agent informed. A lot of times they can act as a mediator to make sure the process is handled fairly. If your with a internet company , I am sure "Jennifer" from the New Deli call center can be of help.
I am amazed how many guys with wrecked cars seem to have to struggle through this process alone. Here my suggestion to all........get a real agent. Make sure he is a "car guy" If you go to his office and there are more golf pictures than car pictures, find someone else. Let him get to know you and your car. Trust me, he will save you real money using programs that his company offers for these types of vehicles. Then if something happens, he will
"Get It " and work with you to resolve your problem. No upstanding Car guy would leave a brother hanging !!
Most internet carriers do not handle the specialty cars very well, they are about numbers. But the Direct Agent companies usually have programs to support these types of vehicle ownership. This helps the agent develop a stronger foothold into the customer relationship, thus developing loyalty and insulating the account .