TLDR - auto lenders are using AI bots to negotiate insurance settlements with inaccurate information. How can I Captain Kirk them and get a live person on the phone?

I am an insurance claims adjuster. Recently, several high-interest auto loan lenders have begun using AI (both through email and phone calls) to dispute the total loss values for our claims.

For those of you that have never dealt with a total loss - the value of a vehicle is (usually) determined by seeing what comparable vehicles are selling for on the market, and making adjustments based on the condition, mileage, etc.…