Actually they are not budging on the offer. They do it based on comps in a 50 mile radius. I sent them comps but they were nationwide to justify the 21k I was asking for and they shot it down. I got my insurer Progressive doing their own estimate to fight on my behalf now. They already trying to get us out of the rental, etc.

 

You might have a second adjuster take a look at your car. (You would probably have to pay for that.) I was in a similar accident a year and a half ago. A guy in a Honda Minivan ran a stop sign and hit my car on the rear wheel/quarter panel. My insurance company (Allstate) valued the car at $7600. A friend of mine who is an adjuster submitted his valuation of $9200. He did a more thorough and expanded comparison and expanded the comparison area to include Dallas, I am in Houston. The car was totaled. I kept the car and repaired it.

 

In Texas, do you have to register it with a salvage title?

 

No, I have the original title.

 

So how does that work? The insurance company gives you a check and doesn't want the car? And so someone can buy a totaled car in Texas and never realize it?

 

I did. I had my insurance company come out and perform a valuation using a third party and they came in about $1500 higher than Geico. So I am going to take it and they will fight with Geico for the difference.