Originally Posted by redhat
OP, car looks great, nice work. Welcome to the 200k club. I've only hit it twice with a '94 LeSabre and a '95 Civic.
Not to derail, but, has anyone had success in arguing with an insurance company over low total loss payments when you've just put tires, maintenance, work into a car? I for some reason thought I've heard people mention doing this, but perhaps I am mistaken.
You can basically hold out for a higher settlement. But basically they just have to find you the equivalent car so they normally just give you book value. Some of it probably depends on the insurance company but in the past I've heard that they might give you something if it was done in the last year, but if it's been longer then they just say you still have to maintain the car, it's not like you could keep driving it with a bad alternator or starter.
Also with book value, I always find it crazy that people are willing to pay more than book value for a car in good condition. If some strangers totals it the next day, they only offer you book value.