The value I accepted was $5000, note here that mine is a swapped 96 GLX wagon. I think that I could have gotten a higher value going through NiceCars, but once we got above them totalling it it wasn't going to affect the outcome so I accepted.
The process of disagreeing was pretty low key. It went something like this:
Adjuster: "We got the value back from the dealership, they put it at $2400."
Me: "Well, I bought it for more than double that, so that's not going to work for me."
Adjuster: "If you can find a comparable listing, go ahead and show it to us."
Me: "These things are rare and don't go through dealerships when they are sold usually."
Adjuster: "I'll make a note on this that you disagree with the value and pass it off to your claim manager, no problem."
Repeat for the second step when they contacted two dealerships and offered $2200 the second time. Then they hired an appraiser. That went like this:
Appraiser: "All right, we're starting over, tell me about your car."
Me: tells him all the normal stuff about the car, mileage, features, history, etc, what I paid for it
Appraiser: "So if I could support a value of around $5000 would you be happy with that?"
Me: "Yeah, I think that would be a pretty fair offer."
Appraiser: "OK, I'll put the right value on your car don't worry."
Adjuster calls 2 days later
Adjuster: "Turns out your car is repairable now!"
Me: "Great, what did they put the value at?"
Adjuster: "$5,000."
Note the damage was estimated at $2,800 for a door smash, dent in rocker and fairly crumpled left fender. Anyone that has leads on a left fender I'm all ears
. The door I'll just pop out and touch up the chipped paint, rocker I'll just touch up the chipped paint. Turns out a 55 gallon barrel full of water doesn't mess around when rolling downhill. Just glad I wasn't between the two objects. Car easy to fix, broken legs not so much.