This all depends on the laws in your state. Every state has a set of rules that apply when an insurance company totals a car. And uninsured driver claims have different rules than collision claims. You never mentioned the specifics of your claim. Did the at-fault drivers insurance pay or were they uninsured? I just went through a claim with my Harley which is a bit different but gives you an idea of what happens if you just accept what they offer. It was the other drivers fault, who had no license or insurance so it fell under my uninsured motorist coverage. It was a complete custom bagger 2014 Street Glide but I only had liability. My insurance had their in-house guy look at it and offered me $21k. I bitched and sent them receipts totalling $20k in add on parts and paint. They offered $27k. I hired an appraiser that cost me $350 and he valued it at $43,600. They hired their own independent appraiser and he valued it at $42,500. I settled for their guys value. And since the appraised value was higher than their last offer they had to pay for my appraiser so they cut me a check for $42,500 plus $350. Deductible was waived. Quite a difference from the $21k they initially offered.
