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We've been in the bodyshop business since 1987, and in the early days there was alot of fraud in respects to adjusters taking bribes to inflate and estimate in order to hide the deductible. Remember though deductibles were small in comparision to todays deductibles. There is absolutely no bribing (at least in my area) of adjusters going on today and there is no way to "save" a persons $500 or $1000 dollar deductible.
In your case of being rear ended.....as long as the other party has valid insurance you should be able to put a claim in against their policy and get paid 100% for your damages and for the rental car. We do this for our customers all the time.
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