On July 1st a dump truck lost a portion of its load in front of me as my daughter and I were driving. The total damages to my car are approximately $14,000. My car has been declared a total loss. The damage is all mechanical. I was told the transmission needs to be replaced. The insurance company only wants to pay around $10,000 for my car. The VW lawyers told me I am excluded from the settlement because it happened after June 28. Anyone know why they did this? Should I have any recourse with the insurance company? Why is the settlement amount not considered the current cash value ? Thanks in advance for any input.