Same here, but that is what the estimated said was the value. I guess this will be a discussion with the insurance company. Good news is if there is more value, then anything else they find should not put it over.
I would shoot to get it totaled. I have had a repaired truck and they're never the same. Issues just keeps coming up.
In Washington State you can appeal an insurance company final offer in writing with 3 examples from sales lots within 50 miles of your house. The insurance companies uses for sale by owner prices when trying to support their initial offer, but when you appeal, they have to use prices found on registered sales lots within 50 miles of your house. I had an old car that they only wanted to give me $6500 for. I appealed and they ended up giving me $10500.
