Went for a cruise today. Now I need an rear bumper!

SGBARRACUDA said

It is the Ins. adjusters job to save their company money. Don't accept the reduced claim, fight them!

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I wont. The car with all in it is more valuable than they initially thought.
He told me list what's in the car, even converted up grades add to the value, so I did. It's valuable, no doubt, and the repairs are far from even half the value.