I did ask for the comp report - it is using five vehicles from the last three months but all of them are option package 4, while mine is package 6. I admit my mileage is on the high side - almost 170,000 for a 2007 and they do make adjustments for that as well as the different option package. But they also are taking value away for things like worn and dirty carpet - sorry, the next time I expect to get in an accident I'll have my car detailed first. Beyond that any ten year old car is going to have some where as do the ones they are comparing it to yet they take value away on mine.
I found two comps that I thought were the package 6 and sent them to my contact. They said one was a package 4 (but apparently still had some added options like nav, back up camera and leather seats that mine had) so they wouldn't use it even though their comps were marked package 4. The other comp I gave them they did use but then added four more to the valuation (one with package 6 and three with package 4) and after recalculating it ... came up with the exact same value. That just seems real suspicious to me.
Bottom line they valued the car at $5500, and I can't replace it for that. I think with the option package it was worth at least $1000 more. The rep told me that it is cash value not replacement value but I'm not talking replacement with a new model I'm talking replacing exactly what I had which should mean market value. IMO. I get cash value and replacement value are different in replacing say a house or contents of a fire but we're talking about a very popular car with plenty of close comparables available. I should be able to buy a 2007 with my options with about 170,000 miles but I can't with what they want to pay me.
(Just a little bit of venting in there!).
I had also put in over $1500in maintenance in the last six months: new starter battery $230, new lrr tires $800, new headlight bulbs $150, and new brakes $350. But the receipts were in the car and I was on vacation when it happened (my son was driving it) so they cleaned it out and claim the receipts aren't in it. I know these are maintenance items but to a buyer of I was selling it they would have some value.
On the good side - my son wasn't hurt and they did agree to waive the deductible because if he would have swerved to avoid the chunks of concrete that he hit, the personal injury and damage to other nearby cars would have been a lot more. But bottom line - no other insurance company to go after. Theoretically i think I could go after Michigan DOT but I don't have the patience to do that especially since he didn't file a police report.