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You need to gather evidence that the pre-accident value of your car was less than $17,000 and that the damage to your car is more than 80% of that number. Be sure to include sales tax in the acquisition cost of a new vehicle during your negotiation. Also, negotiate in the reduced resale value you would have, if it is repaired since the accident will more than likely show up on a Carfax report after the repair. In addition, include in the cost to have your vehicle repaired a least a week of rental car cost. Above all else, don't be in a hurry to settle. At all times, under all circumstances, remain calm, but firm in your negotiations, and don't be afraid to tell them, "That offer is unacceptable" and be prepared to back up that statement with the facts you have gathered. Also, learn who the decision maker is on your case in the insurance company and go up several levels of employees until you can talk directly to that person. Again, stay calm, be polite and respectful and make sure they understand you will drag it out as long as you need to in order to reach the settlement you are seeking.
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