Im going thought the same situation with my insurance right now. They are offering me 2400$ total for my car (salvage title)... which include tax and reg fee. after my 500$ deductible im down to 1900$ for a 93 300zx NA title with a TT swap, with new 3k paint job and nearly 6-7k on upgraded. I had all record for everything and they didn’t care. There’s no way I can find another Z in the same condition as my old z for 2400$, therefore 2400$ is not the “fair market value" for my car which means the amount I can sell my car the day before it was wreck. I thought it was F up what they doing so I hire an appraisal for 400$ which is the normal price and they appraise it for 10k total. Sent up the appraisal doc to the insurance company and now waiting for their move....
