There are professional appraisal services available. However if the car is insured for $3000.00 As opposed to $8000.00. your not going to get $8000.00. You May get $2500.00 If your lucky. The pay out is based on what you have it insured for. If somebody hit you ...well then...get legal advise.....
I think my truck is worth at least $3000.00. However after a recent accident the Ins Co gave me a check for $900.00.
I took them to court ...and Proved the value of the vehicle Above their estimate including the stereo, custom wheels etc.....I had every recipt since day one. The judge ruled that my vehicle was in fact "execptional". Pay up or replace it with a truck of equal condition and value .....
Bottom line ... I won a Substantial settlement and they paid court costs.
Neumann .....in your case, Show them every piece of paper you have. You just may get enough to get it fixed...
In the future have the car appraised at actual value...the premiums will be higher ....But now you have the proper coverage...