Personal Injury Law
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Normally, the insurance companies do low ball you on the value knowing that most people do not have the time and energy to file a lawsuit for a few hundred or even a couple of thousand dollars difference. Your recourse is to sue or threaten to sue the at fault driver [or your own insurance company if that is who is responsible to pay] for the full value of the property damage without accepting the insurer's settlement offer. This may be done without a lawyer in small claims court. You may need to prove up the value of the car in court by testifying to its NADA value, cars.com value, or Kelly Blue Book, etc.
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