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You're misunderstanding what I'm saying, as we both agree that insurance is only responsible to replace what was lost.
I didn't run any of the numbers, so any reference by me to a dollar amount is simply in reference to what Xist is saying.
My point though is that if the lost car was mechanically sound, and the amount to replace it isn't enough to buy a mechanically sound vehicle, then there is cause to reject the settlement offer.
I gave my anecdote where insurance paid 2.5x more than their initial offer because there weren't any comps with 220,000 miles that could be purchased for their offer. Had insurance showed me an example of a comp that could be purchased for that amount, I'd have taken it. Instead, they saw things my way. I didn't get a dollar more than the value of the vehicle I had lost.
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