I had a fully loaded 2014 Dodge Durango Citadel that was deemed a total loss by my insurance company (Safeco) after being hit by a semi, going through a guardrail and then rear ended by another full size pickup. No injuries. Semi driver at fault. I was offered a settlement by my insurance company for a value of $26948. I reviewed their comps and none of them were a Citadel model. Also they did not have all of the options listed that my car had. They increased their offer to $28,826 after I pointed this out.. I have contacted the insurance company for the semi truck (Nationwide) and they just wanted to reimburse my insurance company for the actual value of my car. They are now doing their own appraisal as I told them I was not going to accept that offer. KBB value is $29,797 I have been unable to find a car with all of the options mine had for less than $34,899. I sent them copies of the comparable vehicles that I have been able to find. Do I continue to argue for higher value based on what it is going to cost me to replace this vehicle? I know my own insurance will only cover actual cash value at time of incident but will the at fault drivers insurance have to cover replacement cost?