Low ball offer Volvo 242 DL classic coupe (Cali) - insurers can offer drivers a replacement?

dondroga

Insurance company has accepted liability.

• Low ball offer $2300- for my Volvo 242 DL classic coupe.
  
• In their appraisal they found two dealers in the area and got 2 'expert opinions'
  
• I challenged this with valuations from tow other dealers
  
• They came back with n independent appraisal
  
• They have not based their offer on two comparable used vehicles that were either sold or listed for sale within the previous 90 days.
  

• In some states, insurers can offer drivers a replacement vehicle rather than a cash settlement.

Is California one of those sates?

• If I'm not happy with cash settlement can I demand the replacement as there is no way $2500- is going to get close to a similar vehicle the replacement vehicle option might make them come up in price or at least end up with a replacement vehicle.

Facts & opinions welcome

---

Driver cut me off coming out of private property. Handed over bogus insurance papers. Had to do a DMV search. Finally found vehicle had insurance but is capped at $5000!

kyfdx

That's a nice looking car.. bummer that it's totaled.

Maybe, we can get @Mr_Shiftright over here to give his expert opinion.

stever

I think Shifty is out hiking in the Sierra for a few days.

dondroga

Guys the frame is fine. Bought it back for $290- going to bring it back to life