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is $20,400, plus the grief and headache of dealing with this, plus the time you are without a car (doesn't matter if you have 50 other cars) means you would be letting them off easy at $18k. I'd bear down on them if I was you. I'd start getting some substantiation on your valuation perspective together and get it to your lawyer. Be prepared to get shitty if you have to. The Insurance Co. will force you to. It is their job to pay as little as possible on a claim.
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