That's pretty much what happened to me. Insurance offered a lowball
value, we found comparables for several thousand dollars more, adjustor
said "okay" and wrote the check. However, my car was only one year old,
so it was easy to find several local comparables. Their first offer is
always that - an *offer*. Even if they call it a "final settlement,"
it's just a first offer. Also, if they total it, they need to pay the
price of the tag as well.

Tracy