I'm probably going to get flamed for being so brutally honest here but... what else is new?
Not trying to cause anyone harm or be disrespectful of anyone's situation (sorry for your loss btw, it really does suck) but just my view as devils advocate after viewing things from the other side for several decades as the insurance industry and public behavior have evolved.
As you know, there are many other factors that could be at play in regards to response times and answers you have received that are causing your frustration.
Your assuming how you want the adjuster to respond base on your past business experience in an entirely different industry. I fear reality is much more different. Isn't there a hurricane that is effecting the east coast on a weekly basis this time of year?
Didn't the accident happen "a few days ago"?
A bit of history:
My wife is a claims advocate for one of the top 5 insurance companies worldwide after spending many years as an adjuster on the front lines and ask that maybe a bit of patience is needed... Oh the stories she could tell of your situation and countless other more complex situations (the loss of the twin towers comes to mind).
As you've said, it's only been a few days, everyone is overwhelmed by the losses in your area currently. All customers are important but there are many factors involved that WILL be relayed to you as they get to your situation more in depth. What you have been told to this point is a generic overview and an "estimate" to at least provide you with some initial hope and trust in an emotional time for you, not to try and disrespect you but to try and put you at ease.
One thing that's important to remember is:
The car is not your daily driver. Meaning, with all due respect yours is not a priority since it's not a daily driver as adjusters have many other vehicles/structures/businesses that are experiencing more catastrophic losses than your fender bender and maybe, just maybe others have reported those substantial losses prior to your damage. The estimate (when finalized into an agreement) will break it down and you'll be floored by the amount of labor cost and I'm sure it will all make sense or you can at least know so you can then dispute it or file suit or settle etc....
1. You have no backup detailed information about the number you are saying it will cost to fix Give them time to finalize it, that detailed info is never offered initially in your situation all things considered. Remember, there are many options for this outcome so don't assume you know what it will or should be.
2. You have told me I will have options on what I want to do - also a big part of your advertising (this coming from a guy -me - that has spend 45 years dealing with publishers and the advertisers associated with that industry), hen you have NO information about those options. Your assumptions about how they are "suppose" to respond will cause this type of frustration especially if you use another industry standard for your demand on how Insurance should be handled. Folks need to realize that because fraud and deceit are so wide spread there are many other behind the scenes factors to any investigation and therefore the answers are not instantaneous nor are they initially revealed hence the generic answers your getting currently. Not to be confused with lies or knowingly deceptive practices....
3. You state inaccurate information about legal information regarding the titling of a vehicle in a state. Do the research first before you make a serious mistake.
If it's a salvage title that could change many things, so again, please be patient.
It is true that human beings make serious mistakes all the time, there's no denying that.., some out of incompetence but others out of a lack of experience or buckling under pressure just to name a few reasons (in the industry)... doesn't mean they will not take care of your case properly in the end. So yeah, mistakes are made, especially in stressful situations when being pressured un-necessarily or out of extreme misguided care with good intentions, but in the end the company HAS to follow state guidelines before a settlement is agreed to and your answers will be quite different than you think. Automobile total loss adjusters have more facts to look into than you can even imagine.. it's stupid how many laws and legal bs we have in this world nowadays (thanks to widespread fraud) and they get to deal with it daily. Not to mention any new laws or changes they have to be on top of in order to keep up their licenses...
4. Know your clients - everyone accepts the fact something like this accident and results from it can be very upsetting to the antique car owner. Have accurate answers before calling with half ass answers that are going to most likely be asked because of those emotions. Especially asked after you brought up the options in an earlier call. Realize this is a business transaction for you but an emotional transaction for the owner. Adjusters and agents are all consumers too so trust me, they are very concerned about every situation and trying to do what's right for you as a client because losing you is a direct reflection on them and, WILL effect their own job security. Never assume they don't care lest it create more frustration within you, you're getting to old for that ...
5. In other words - Give the service and understanding your advertising and owner stresses and may be the only reason your company got picked over another. They company pays them handsomely and they were trained (by law) for this and will provide the service you paid for but after only a few days, with everything else going on in regards to losses in your area, yours may not be priority number one. Your answers will come once the investigation and other factors are completed. Many of which you know nothing about that happens behind the scenes when it comes to underwriting, police reports, other insureds, special investigative unit, managerial direction for cat losses that may take precedent. etc...
Moral of the story? (I know most of you don't care to hear this but it's the truth)
Adjusters are humans not robots. They have one of the hardest, most thankless jobs and are constantly being sh*& on, lied to, disrespected and denied proper time to do their job according to the law by the public, lawyers, bosses, etc... but they keep plugging away because it's their very lively hood AND, believe it or not, most of them actually do care about getting it right since they are consumers and have families of their own and have had personal losses also... They are not robots, they don't know every answer to your questions initially (which is why they call it "adjusting"), they can't put you at ease or heal your shattered world but most of them always and thoroughly investigate and try to resolve each individual claim as if their own family member was involved, while keeping to company and industry standards by law. I've witnessed this first hand for decades from many family members and friends who have been adjusters.. Do we box in detectives investigating theft of our property or the loss of any other kind? Why then box in someone trying to help you with a damaged vehicle?
However, the ones who you should be worried about are those adjusters who don't care anymore because they've become jaded and or FEEL as if they are forced to be corralled into giving false answers thanks to a demanding or lying public, irrational management, slick lawyers etc.. but those adjusters don't last long because they don't abide by law and industry standards (which they are required to in order to maintain their license).
In other words, the real moral of the story when dealing with a loss adjuster, their very lives are at stake on every call (believe it or not). And you just thought they were incompetent or didn't care .... lol. Right.