[jhv48]

There's no discussion. They survey the actual selling prices of several cars that are similar to yours and that determines the value. If you think your car is worth more than the others, all you need to do is show them why you think that. Such as: your engine is all aluminum rather than iron, you upgraded the suspension, you added a set of webers, etc. If valid (not just because it's your baby) they will adjust the price upwards to account for your upgrades. It really is just that simple.

How do I know? I handled claims for State Farm for about eight years and not once did I ever hand a guy a check for a stolen/totaled car and have him complain the amount was not enough. Usually, they just took a quick look at the check, pocketed it quickly and hi-tailed it to the bank.

But I'm sure your insurance company does the same.