I think a lot of us have been through this crap with insurance companies.

Their business model is to have you pay, and for them not to.


The only time I came out ahead was when I bought a 86 5 series BMW wholesale.

Gave $3,500.00 for it, got rear ended three months later.

KBB Black Book, which is what the dealers typically use, showed the retail value at $8,500.00.

State Farm offered me the wholesale value of $3,500.00, and I told them no.
adjuster "You can buy that one, and we'll call it even."

Again, they said no.

Two days later the adjuster calls and said he made a little mistake, and had checked the value on the wrong car.

They settled for $8,500.00