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...had 2 cars totaled (loaded Subie turbo wagon back in the early 90s; c900 16v just 4 years ago) and both times the settlement offer was more than fair. The Subie's book value was around 4k, and they offered me 4200, plus 3 weeks of a rental car! (a Nissan Altima!)
I got 2600 for the Saab, not bad for a car that cost me $1,500 total. The c900 had 185k, btw. I don't know where they got that number but I was pretty happy to take it and move on...in neither case did I raise a fuss or make a counter offer. YMMV, obviously.
posted by 68.175.88...
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