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Dealing with insurance company 200

My 1980 242 GT was plowed into by a young girl who claims to have "fallen asleep" at the wheel. I know that when her insurance company estimates the damage they are going to declare the car a "total" and offer us some paltry settlement. I like this car and we have about $5K invested in it, it is not a concours winner but it is a nice car. Do any of you folks have any experience in dealing with insurance companies to make sure they repair the damage caused by their customer or compensate us well enough to get the car repaired? Does it do any good to claim the car is somewhat rare? Any advice would be greatly appreciated.
Steve O'Bryan
Chico CA.






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