State farm not accepting comps for my totaled car… any advice?

hey all, i’m trying to get a bit more for my vehicle so i can actually replace it. i’ve sent state farm some different listings, but they won’t consider facebook, dealerships in other states, or vehicles from different years. my car is pretty rare in my state, and most listings are on facebook or at just one dealership (but it’s not the right year).

is this normal? any ideas on how to approach this? i feel like if i was in a different state, i’d have a better chance at negotiating a higher value just based on dealer listings. really need some help here.

hey all, i’m trying to get more for my vehicle so i can replace it

do you have an agreed value policy?

without that, you’re not going to get a full replacement amount.

Ray said:

hey all, i’m trying to get more for my vehicle so i can replace it

do you have an agreed value policy?

without that, you’re not going to get a full replacement amount.

maybe i wasn’t clear. i have full coverage, and they offered me a set amount, but i’d need around $1,000-$2,000 more to replace it with similar mileage. based on the market, do you think it’s reasonable to push for a bit more? i’m looking for tips on proving a higher value, especially since it’s hard to find comps right now.

@Val
i get it—it’s just that this isn’t a negotiation. they owe you the actual cash value.

if you disagree with their offer, check if your policy has an appraisal clause to challenge the ACV. otherwise, you’re pretty much limited to that value.

@Ray
thank you, i appreciate it.

is this for a 2001 LS? check your conditioning report to make sure all manufacturer features are included and the condition is accurate. just because it’s rare doesn’t automatically make it worth more.

they owe you the actual cash value (ACV) for your vehicle. comps have to match as closely as possible in year, make, model, mileage, options, and condition. and the comps need to be from around your area. going a few hundred miles out might work, but anything further is pushing it.