You can try to get value of comparable cars around your local area (10 miles) and negotiate with your insurance in order to obtain a higher value. Explain why you think the amount offered won't be enough for you to obtain a car like the one you had. As far as I have researched online, the insurance has the last word; but if the insurance is not giving you the value of a currently available comparable car in your local area then their report is FLAWED and they will have to reconsider the offer. For more excellent informationa about your rights and the steps you can follow go to the your state's department of insurance website.
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