car was stolen and totaled, now my insurance is offering me a 8100 for the car and the average around my area for the same car is 10000,what can i do

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Apr 2, 2013

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Hialeah, FL

Asked on 04/02/2013

car was stolen and totaled, now my insurance is offering me a 8100 for the car and the average around my area for the same car is 10000,what can i do NULL

Answer given on July 03, 2013

If your car is stolen and is considered a total loss, the insurance company will offer the actual cash value of your car less your deductible. If you have a high deductible, you need to consider it as a part of the offer.The insurance company often uses the Blue Book to value a car. That could be inaccurate depending upon the area where you live and the popularity of the car in question. They should also check local values, but it is up to you to prove there is a difference in value.If you do not agree with the settlement offer, it is up to you to prove the value of your car is higher than offered. You can do this by providing local newspaper ads or ads online that show the value of the car. The ads need to be in the area where you live, since values can fluctuate. Also, the mileage and condition of the car needs to be considered in its valuation. Photos of your car could help you prove its condition prior to it being stolen. If you still cannot get a satisfactory offer from the adjuster, ask to speak to a supervisor and again present your side of the story. See if they will amend the offer made for the car.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption