This is why I told him to seek legal advice. The insurance company is only obligated to give you replacement value of your vehicle. They have a method to determine what that is and its difficult to fight. Ebay and craig's list ads are considered "Inflated" and not replacement of your individual vehicle. I totally agree that it is all BS from the insurance company but your fighting a large corporation with a lot of resources. It still pisses me off just typing this and its been 7 years. I got advice from different sources including my insurance agent and they all said that unless I could find an official source of replacement value that naturally the insurance company would accept your screwed. Essentially I was told that I would have to have someone evaluate my vehicle and prove that it was worth more than 900 dollars. No one would sign off on it. If they pay him a fair price then he should consider himself very lucky. Hopefully he does not have to go through this. My intent was to make him aware that it can be a PITA to deal with them.