Despite what many people may believe, you do not necessarily have to take the first offer from your insurance company when the tell you how much they will pay out for your totaled car.  It seems that many of us think that whatever the insurance company offers is what you have to take.  There is a really good article on tips for negotiating with your automobile insurance company that discusses the steps you can go through to hopefully get yourself a better settlement. Check out the article here.

Remember, despite your insurance company dealing with you as if you have no recourse or bargaining power, you can occasionally get a better deal by being persistent and logical in dealing with them. If you need to talk to your contact’s manager to get a better outcome, do not hesitate to push it on up the chain.