Just went through this myself and figured I'd share what worked for me. First, I gathered a bunch of listings for similar cars in my area to show the insurance company their offer was too low. Then, I made sure to highlight any recent repairs or upgrades I'd done (new tires, brakes, etc.). Finally, I politely but firmly stuck to my guns and didn't accept their first offer. Got them to bump it up a decent amount. Curious if anyone else has better tricks or something else that worked?
"Then, I made sure to highlight any recent repairs or upgrades I'd done (new tires, brakes, etc.)."
Great strategy there—insurance companies love to overlook those fresh tires and shiny new brake pads. Another tip I've seen work well is requesting the valuation report they used to determine your payout. Sometimes you'll spot errors like incorrect mileage or missing features. Pointing those out can nudge them upward. And hey, a little charm and humor never hurts—just remind them gently you're not trying to fund a yacht, just replace your wheels...
