I was dealing with the same thing until earlier this week. My truck was totaled in a wreck around Thanksgiving, the at fault party's insurance doesn't want to give me nearly (almost 10k shy) what it will take to get a comparable vehicle. I even paid for a 3rd party appraisal that came back in line with what I thought it would take to replace it. They still refused. I finally threw my hands up and gave it to a lawyer to handle. They'll shaft you if they can.