[Dean]

Originally Posted by Dean from DeeDe's stolen STI thread.

I would do your own research and find out what comparable cars are going for in your market at dealerships if they decide to total it.

Some companies try and low ball you with "third party" "Market" estimates that are way below wholesale book much less what you would pay retail from a dealership. Unless your policy says otherwise, you get replacement value which is determined by actual retail replacement cost in your market, not some number they pull out of their back side.

I dealt with this and ended up writing a letter to the state insurance board claiming bad faith, and as soon as I did, they would do whatever I wanted. The best thing is to be armed with local data. Cars.com is a good source of retail listings, autotrader isn't as good due to the largely private party nature...

let me know if you need some more info.