Ernest wrote:

"i was able to get well over twice what i was originally offered for a car by 
letting it be clear that i wasn't eager in settling in a hurry for less than 
what it was really worth, and by providing documentation of its value (in the 
form of copies of ads for like vehicles in similar condition sold locally).

I had something similar happen to me.  I had a 1971 Mercedes 250/8.  It had 
been "restored" by the previous owner who put WAY too much money into it. It 
was a beautiful car.  It had the nicest deepest red paint and a white interior. 
 It also had 300,000 miles on it.  When I was rear-ended, State Farm offered to 
pay me $2000 and to total it. I got all the values together (which wasn't easy 
in 1996-1997).  I also had the previous owner write a letter giving his opinion 
about what the car was worth (they didn't know he was the previous owner) and I 
got something from my mechanic about the value of it.  They offered me $3000 
and I refused and told them to fix the repairs. At first they agreed until they 
realized that a lot of the parts would be VERY difficult to find. After 3-4 
more weeks of driving a rental car that they paid for, they offered my $4200 
(and I could buy the car back for $200). So, I took the money and I bought the 
car back.  I replaced the rear brake lights ($20 each), found a rear bumper at 
the junk yard ($50), had a new trunk floor welded in (cost $200) and drove it 
for 2 more years and then sold it to a friend.


Donald H. Snook


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