For those who are reading this. let this be a lesson. If you value your vehicle, and have a place to store a damaged vehicle without running afoul of local ordinances on damaged vehicles seen from the street, NEVER let an insurance company gain physical possession of your vehicle. Once they gain possession, your leverage is lost.
KBB doesn't mean **** if you can PROVE market value is higher. Remember, nobody is going to cut a check if no pain in involved. I just finished coaching a friend with a totaled toyota pickup in MO, where Hartford initially offered $700 KBB and $300 salvage retention. Accident was 100% other party responsibility. I used CL to get comparables on the same truck. the cheapest, "parts only" trucks were $1500 and ratty "running" trucks was $2500. He turned down their offer and POLITELY informed them he will seek satisfaction through small claims count. in MO, the max is $5000 and if you are realistic, a "replace my loss" claim to a judge is easily won. I've done this many times in kali. (kali max is $7500). Hartford calls back a day later with a $2000 salvage retention payout. If you let the insurance company lead you around like a sheep to slaughter, they will do it all day long. Know the laws, KNOW YOUR REALISTIC RIGHTS.
satx78247, i wished you let me help you sooner, the outcome would have been far different.