I offer a few suggestions/comments:
- Be polite;
- provide all the info you can (including info from other sources including NADA, Edmunds, etc -- while those sources may not be the best -- they are readily recognized by most non-classic car adjusters);
- find out if he/she is an independent adjuster vs. one that works directly for the company;
- read you policy carefully -- especially the definitions re: "replacement cost" vs. "fair value" or whatever else might be in your policy;
- if you are with a mutual insurance company, you might be in better shape than with a "for profit" company;
- don't argue -- but if you don't agree -- don't hesitate to politely disagree;
- if you disagree or don't feel the number is right - ask the adjuster what your options are.....
- Most adjusters want to close claims as soon as possible and -- despite what many might say -- I believe most carriers are trying to treat people fairly (I guess I'm showing my bias here as one who retired from an insurance company).
Finally, it appears you are dealing with a "partial" -- not a "total" loss so the issues might be more about what it is going to cost to get your cuda back to its former condition -- not necessarily what the car is worth....... So, you might want to try and find out who in your area you might suggest to the adjuster who could do the repairs in a manner that you believe will done "right" This also may take a bit of "education" for the adjuster -- as "restoration" of one of our classics is obviously different than fixing the fender on a late model.... Good luck -- and keep us posted.
Hope this is helpful....
Vermont MOPAR
