Quote:
Originally Posted by Boostedphil698
I guess I better prepare to negotiate a replacement car for her 
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Do NOT take their first offer. Get her own insurance company involved to help in dealing with the person driving's insurance. That's what you pay premiums for.
Do your homework and know what the real value is. Find records of recent work like tires, etc. If you can afford to, just wait them out until you get a fair settlement. Adjusters don't get to close a case until you sign the check, so just wait them out to get what you want.