Well i had my fight with an insurance company last december. Best buy so graciously fried my entire electrical system, and given the price of parts, their insurance company wanted to total it. It was a 92 Ls pearlie with, i think at that time about 80k miles. the body was in good condition and the interior was virtually flawless. The insurance company only offered me $4000. So they got a big F you and got to pay even more to fix the thing. Unfortunetly they won't give you that option. But still, they tried to shaft me too, but i think they got you worse. good luck with the fight!!