[ozark]

I feel for you, my wife and I are going through the same thing. A girl ran a stop sign and took the front off of my wifes car. The girls ins. located a car that was already sold and asked the dealer what would be their lowest cash price they would have taken for the car, and that is what our car is worth. The car they used to base the price of ours for was not as good shape. After hiring a lawyer we are not any better off. We have been fighting this for 2 months now and no car for my wife to drive. Another snag is I can't give a cash price for a car, we have to finance through a dealer because our local banks have gotten strict with lending and don't loan on a car that is over 4 years old now or go in debt more to buy a newer car. We were trying to pay off things because we are needing to build a new house desperately and now this. Our insurance co. has not been any help whatsoever. Also beware of insurance adjusters that use the computer program CCC valuescope to help value your vehicle.