I call BS on them saying they only pay "actual cash value" and not "listing price"! I know this from personal experience...3 times in fact!!!!!
There is a way to get more $$ from the insurance so your not feeling ripped off, Ive done it 3 times and they didn't seem to have a problem doing so. All you need to do is find 3-5 cars online that are the same year's, trim levels, and around same mileage as yours. Then print out the ad's and give them to the insurance company to look over.
Ive done this 3 times and it has worked EVERY SINGLE time, they tried to give me $1,200 when my 1991 Integra got totaled and i said "no way, i can't even buy a replacement 1991 integra for that in my area" so i suggested printing out ads to show them and they agreed. After going on Craigslist and finding 3-5 1991 integras at DEALERSHIPS that were anywhere from $2,500-$3,200 i showed them the ads and i was able to get $2,600 OR $2,300 and my car back.
If you haven't already collected $$ from them id definitely ask them if you can do this....let me know how it goes if you haven't already cashed out, like i said...Ive done it 3 times now and they agreed that i could do that and all 3 times i have gotten more $$ from them afterwords. :boink:
Just be sure the cars are the same year as yours or within 1year older/newer than yours, close in mileage...max of around 20k-30k difference in miles, same trim levels(if you got auto windows, AC, sunroof, ETC. then find ones with those), and find cars at dealerships since we all know they charge waaay more...but even the insurance company told me they HAD to be from dealerships! Their smart people....:mhihi:
EDIT: Look at the integra in my avatar pic.....see that tiny dent in drivers fender above the wheel, they totaled my teg for that and i got $2,300 and my car back ROFLMFAO!!!!!