Originally Posted by DrtyRat

Snce you are not dealing with your insurance company, then you probably have a little bit of liberty to play hard ball. I've seen numerous post where the OP would look for cars that are similiar to their own(yr, mileage, modifications, etc.), that are for sale and submit that to the insurance company, in order to get fair market value. Make sur to find as many as you can, probably witn a 100mi radius, and only submit the highest priced ones. Look on local forums, craiglist, eBay, etc. And make sure to organize them and make it a decent presentation so the insurance company sees you have done your research. Just don't give in to the first offer you get.