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Car insurance company may be lowballing me?

someone hit my car 2 weeks ago which was a 1993 lexus ls 400 ( i know its an old car) and yes he did admit fault on the report and to his insurance company .the problem is they called me stating that there offer is $1600 ,because of previous rust on my car.let me 1st say that is bull i have pictures of my car pre-accident and post accident .there was no damage until there insured hit me.also ,they sent me an appraisal listing of the same cars in my area from dealers to come up with local market value but when i looked up the same cars that was sent to me the prices the insurance company sent wasnt the same prices the dealer had marked for there cars also ,when i asked them why this was and that i also found cars with higher mileage with prices of $3500 plus they said they dont go by dealer pricing,so my next question is why did they send false dealer estimates to me then?and when i looked at the appraisers notes certain items like sunroof ,heated seats etc. wasnt included.i haven't had an accident in over 6yrsso someone who has been in this situtation please give me advice how to handle this . is the price they gave me fair or are they lowballing me ? and are the tactics they are using a usual thing? aaaaggghhh!!!they are making me nuts!!! thanks for all answers in advance!!!

   








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someone hit my car 2 weeks ago which was a 1993 lexus ls 400 ( i know its an old car) and yes he did admit fault on the report and to his insurance company .the problem is they called me stating that there offer is $1600 ,because of previous rust on my car.let me 1st say that is bull i have pictures of my car pre-accident and post accident .there was no damage until there insured hit me.also ,they sent me an appraisal listing of the same cars in my area from dealers to come up with local market value but when i looked up the same cars that was sent to me the prices the insurance company sent wasnt the same prices the dealer had marked for there cars also ,when i asked them why this was and that i also found cars with higher mileage with prices of $3500 plus they said they dont go by dealer pricing,so my next question is why did they send false dealer estimates to me then?and when i looked at the appraisers notes certain items like sunroof ,heated seats etc. wasnt included.i haven't had an accident in over 6yrsso someone who has been in this situtation please give me advice how to handle this . is the price they gave me fair or are they lowballing me ? and are the tactics they are using a usual thing? aaaaggghhh!!!they are making me nuts!!! thanks for all answers in advance!!!


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someone hit my car 2 weeks ago which was a 1993 lexus ls 400 ( i know its an old car) and yes he did admit fault on the report and to his insurance company .the problem is they called me stating that there offer is $1600 ,because of previous rust on my car.let me 1st say that is bull i have pictures of my car pre-accident and post accident .there was no damage until there insured hit me.also ,they sent me an appraisal listing of the same cars in my area from dealers to come up with local market value but when i looked up the same cars that was sent to me the prices the insurance company sent wasnt the same prices the dealer had marked for there cars also ,when i asked them why this was and that i also found cars with higher mileage with prices of $3500 plus they said they dont go by dealer pricing,so my next question is why did they send false dealer estimates to me then?and when i looked at the appraisers notes certain items like sunroof ,heated seats etc. wasnt included.i haven't had an accident in over 6yrsso someone who has been in this situtation please give me advice how to handle this . is the price they gave me fair or are they lowballing me ? and are the tactics they are using a usual thing? aaaaggghhh!!!they are making me nuts!!! thanks for all answers in advance!!!


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Car insurance company may be lowballing me?
someone hit my car 2 weeks ago which was a 1993 lexus ls 400 ( i know its an old car) and yes he did admit fault on the report and to his insurance company .the problem is they called me stating that there offer is $1600 ,because of previous rust on my car.let me 1st say that is bull i have pictures of my car pre-accident and post accident .there was no damage until there insured hit me.also ,they sent me an appraisal listing of the same cars in my area from dealers to come up with local market value but when i looked up the same cars that was sent to me the prices the insurance company sent wasnt the same prices the dealer had marked for there cars also ,when i asked them why this was and that i also found cars with higher mileage with prices of $3500 plus they said they dont go by dealer pricing,so my next question is why did they send false dealer estimates to me then?and when i looked at the appraisers notes certain items like sunroof ,heated seats etc. wasnt included.i haven't had an accident in over 6yrsso someone who has been in this situtation please give me advice how to handle this . is the price they gave me fair or are they lowballing me ? and are the tactics they are using a usual thing? aaaaggghhh!!!they are making me nuts!!! thanks for all answers in advance!!!