The short answer
Insurers use CCC, Mitchell, or Audatex valuations that often undercount local market. Comparable listings within 100 miles, dealer 'out-the-door' quotes, and documented options/upgrades push the offer up. If negotiation stalls, invoke the appraisal clause — you and the insurer each hire an appraiser; a neutral umpire decides. Fee-shifting varies by state.
Frequently asked
- What's sales tax and title reimbursement?
- Most states require insurers to pay sales tax and title/registration on the replacement — often forgotten in the first offer.
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