A couple of years ago, i lost my '78TD rabbit to a Ford Taurus. The driver of the Taurus was found to be at fault.
My '78 was a summer only museum piece.
My insureance company wanted to "help" me settle. They offered me something like $1,200 for a car which I payed $1,500 for a bare clean shell. I told them thanks, but no thanks, and settled with the other guy's insurence.
I provided them with NADA values, recent EBay auction results, and an add from that magazine i cited in my earlier post.
NADA web:
http://www.nadaguides.com/home.aspx?l=1&w=28&p=0&f=5000&aid=58398&iid=51329&nozip=1They offered me $3,200, with a salvage buy back of a few hundred bucks. Needlest to say, I accepted. The entire drivline and other assorted parts now live on in my '79.
I keep an eye on Ebay, and keep copies of similar cars and values for when this happens again. I don't think I have to go into great detail of how defensively you have to drive in the presence of pickup trucks, SUVs and mini vans that have brain dead drivers that may still have a glimmer of brain wave activity that knows they are bigger than you.
Moral of the story, your insurance company is not your freind. They are primarily interested in CYA. Do your research and don't let them take advantage of you,
And i can't over emphasize the importance of verifying your medical condition. Your first impression is" I'm ok, I'll get better". I have injuries that I will carry to my grave, and still have to do mobility and streaching exercises so I can function. Also, I am still duking it out with the other guy's auto insurance to cover my medical expenses.