can you argue with your insurance company? around here they always low ball the first offer, and usually a stern "Are you fucking crazy?" will boost you closer to the midpoint of the value. argue again, if you have receipts and bills for recent work. Check out the local trader magazines as well. see what your vehicle is actually going for in the used market. it it is above 'book value' you can argue that too.
it costs you nothing to try, and may get you more money. Once their offer is made, they cannot go down, only up or stay the same.
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