Originally Posted by AZfocus2012
It used to be, insurance companies had to "make you whole". But they lobbied hard to get those pesky laws changed, and now it is at their discretion to pay what they deem your vehicle was worth and not a penny more. Doesn't matter if that leaves you with a lesser car and thousands in debt. That is why you now have to hire a lawyer if you want to made whole again, because the insurance companies aren't going to do it on their own anymore.
But you can still deny their offer and make them assess it again. My Boss's truck got totaled. Gave him an offer, and was like uh no. They came back out, offered up I think over a grand more. Needless to say he was satisfied.