/// This effort probably will not help you. The insurance company charged you a premium based on the general value of your car. What would it have sold for if it was not wrecked. What would have been the price arrived at between a willing seller and willing buyer on that one car. Read the intro to NADA and Blue Book pricing policy to understand their policy. Generally they say they use non dealer recent sales prices then depreciate for "excess" milage, and adjust for add ons.

You might argue that this is not the correct venue and find Volvo prices elsewhere. An accepted policy is that they may not appraise geuine pearls as costume jewelry. A realistic higher sale price based on best venue would help. If you have receipts for repairs that add to the capital value rather than just maintenance, they might help add dollars. You argue that the milage doesn't matter since you replaced those excess miles with major up grades.

Worst case, take total with an agreement to let you keep the wreck to avoid further negotiation . Time is money to an insurance company but the longer they wait to pay, the more they make on the money they hold.