Good luck, Magilla. Hang out with us til you get another. Remember, when her insurance company comes to you with an offer, it'* exactly that...an OFFER. I just went through this in May. You need to compile a list of what YOU feel are comparable cars and their prices in order to make a counter-offer. You'll end up meeting somewhere in the middle. Note to remember: Insurance companies DO NOT use book value. They use what they call (yeah, right) FAIR market value. In the case of my Roadmaster, they usually sold privately for more than book, which really helped me. I hated to see an 80,000 mile LT1 go to the junkyard, but at least someone got a sweet motor. I had over $9k damage to the rear end.