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First of all as a matter of principal you should always reject the insurance companies opening offer.

Write to them doing this and tell them you want a figure as far above the figure you will actually settle for (the fair amount) as their offer was below it.

With any luck they will make you a new offer at around the fair price.

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Q: Your car was getting repaired in a body shop when it was stolen it was found and totaled by the shops insurance company they are low balling the figure for my SUV what legal recourse do i have?
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