My wife sees this all the time with insurance claims. They lowball everything and if the customer doesn't protest, that's what they get.
6 months ago, State Farm tried to make them put a used engine in a 5 series with only 6k on the odometer. That car is still sitting there...
I think they are definitely lowballing the value of your car.... sounds like they're basing it on a 325 or something
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