Apparently, insurance company repairs as well as 'total loss' claims are lowballed as a general practice.  I just read an article at www.claimsreporter.com that says that you can get on average, the ~$2K difference needed to get a replacement ride (vs. trade-in)... for sure, if it was not your fault.  Anyone got any experience with using a local 3rd party appraisal to get more $$ back?

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