Sorry to hear of your loss. I can speak from some experience--I've had three cars totalled under me while driving (stopped at traffic lights, actually)--two were my own--and two cars totalled in one shot while parked in front of my house. Don't accept their first offer--you may not be able to get it up to what you'd like--but you will be able to get a better offer. Things to do---go over their paper work carefully-for instance the appraiser's report showed my '92 940 Turbo to have "normal" wear on such items as the body and interior--not so! Paint and body in perfect shape--not a single defect in interior even with 180k. Don't be afraid to challenge them. I pointed out that of the ads they used to help determine value--3 of 4 of them were for the same car--different advertising venues. My research came up with more - and more favorable examples. Did you have to pay to have the car towed? stored? Will you have to pay sales tax on a replacement car? Rental while negotiating? You can negotiate all of these type things--they want to close the book on the deal. They don't really want to have someone come and get your car either--if you've a mind, get them to reduce or eliminate the salvage value and keep the car for yourself--unless you'd rather see it go right away. Best of luck--Dave