Classic 66' Mustang has been totalled. Insurance company is low balling me! What do i do!?

insurance doesn't look at vehicles as what they mean to you or how nice of a car they are they look at straight hard facts. can you find a 66 mustang for $4k in your area? do your homework. find as many 66 ponies as you can for whatever price then show the insurance adjuster lets say all the ones you can find are priced at 6k. then tell the adjuster you can't find one for less than 6k and thus need more than 4k to replace your vehicle. or lets say everything that you find is around 4k pull up exact reasons why your vehicle is worth more. dont' put any emotion or it was my fathers or any of that bs in there they need to see straight facts like ( redone interior flawless paint oringinal motor in great condition low miles ect ect.) if your poney is similar in condition and miles to the others around and they are priced around 4k or below..... sorry thats all your getting. and next time buy insurance specificly for an antique or have your agt write a stated value of the vehicle.

You need facts to back up your claims. Get a Professional Independant appraiser that specializes in classic cars to write an evaluation and provide that to your insurance if there is a difference between the 2. Request the documentation from your insurance as to how they came up with the value. Is your vehicle even qualified as "classic"? What is your mileage? Any previous accidents? Is the car title clean or salvage? There are a lot of factors that account for how an insurance company places a value on a vehicle. Next time, invest in classic car insurance. Many insurance companies offer it.

If you have the title, you can request that your car be owner retained, and the insurance will deduct the salvage amount (a few hundred dollars), issue you your settlement, and you keep the car.

A lawyer usually wont sign you on if you only have a property damage claim. They make their $$ with injury claims. You can try to sue your company for "bad faith", but if your insurance clearly documents and keeps you informed of the claims process, that probably wont fly too far.

Request arbitration.

Then realize the wisdom of lawyer fees.