I just won a fight with my insurance. On July 1st we had a hailstorm that did $1750 in damage to my Civic and around $1100 to the MR2. The MR2 had a small limb fall and hit the fender and roof. Large dent in the fender, small dents in the roof. That limb bounced and lightly tapped the Civic's front passenger door, leaving a tiny crease. The rest was hail damage to the Civic.
Insurance adjuster came, decided $1100 in damage to the MR2, and said it would likely be totaled but being that old he needed to send the info off to their main office to decide the value. I get a phone call a week later saying that the car has been valued at about $1000, basing it off the NADA "low" value of $2000 and then subtracting due to the "daily driver" nature of the car, paint flaws, and some rust.
I wasn't about to take a $1000 check (or buy it back and only have about $800) for it. So I compiled a list of MR2s for sale anywhere in the US. Found two for $800 that were wrecked and not repaired. One for $2500 that was visually similar to my own. Many were around $3000-4000, a few past $6000. The price averaged $4183 for the 28 cars I found. Then I compiled all the maintenance items I had taken care of for another $1500.
Got a call today, they adjusted my value to over $2700 and a check is in the mail for the repairs.
I win.