Howdy, does anyone have experience dealing with the insurance company with a wreck car and total loss recently ? They seem to start out giving you a very low value compared to the values in NADA. Usually, I would say that is high but I've looked around for my area and it seems pretty close.

I'm in MN and its rust country so to replace a car without rust seems to shoot the price up quite high. I lost a '82 240D 4spd-man with 242k mi and no rust. I have photo documenting the car condition in and out and there are only a few cars on the market that has that kind of exterior quality. I brought it back from SF, CA.

I've found a classic car dealership that has that same car interior and exterior and they're placing the ad at $6200. Even though most people on this forum would not pay that for a 240D, the fact still remains that there is no other on the market that is like that in my state. So my logic to the insurance is unless they can show me a car with similar exterior condition, I would have to insist that would be the closest value to the loss car. Does this sound reasonable ? Suggestions ?

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1982 240D 4spd 232k (deceased)