Truck Fire Ford SD 6.7

agesilaus wrote:
OK Allstate first offer $30000 via Edmunds Blue book I got an offer for $36500 from Carmax that does not include the $1500 Leer Topper.
Sent that to Allstate guy hopefully he will bump his offer up a bit. I saw a 2014 F350 almost identical to our 2012 except no topper and a shortbed on the local Carmax lot. The sticker said $54000?! Must be a mistake

No, it’s not. It’s a stupid price, but people are paying those stupid prices.
First, that Leer topper needs to come off, and any other accessories that have value, unless they are specifically valued and insured in your policy (guessing not). And don’t let the adjuster bully you into leaving them on. His job is to make as much money off the deal as possible and give you as little as you’ll settle for. This is not a fair fight.

Secondly, the point of totaling a vehicle with an ACV policy is to receive the same amount it would cost you to purchase an otherwise comparable vehicle, reasonably. Doesn’t mean flying to Texas for that one “deal” that is the wrong color, floor boards full of cow manure and faded paint.
If “your” truck is for sale locally for…however much, that is what you hold out for. Period.
If you want to take the money, then “shop” for a deal, or downgrade or do anything other than spend all of it on a truck, that is your perogative.
An insurance adjuster is basically the same as a car salesman. His job is to screw you on your “trade in.”