My 89 Carat was totaled in 1996. The State Farm adjuster low balled me.  I
had recently bought the Carat from a VW exec through their vehicle sale
program. I had paper work showing a newly rebuilt engine, new brakes, new
tires, etc. All this failed to impress. I said to just bring me a
replacement in the same condition and put it on my drive. I told him I don't
care what he paid for it, I want it replaced with the same vehicle. It took
60 days but he came up $6000 to $12000.  You have to remember that your
compensation is measured in dollars. The insurance company only uses a
calculator on its end.

Bob Wing
88 Westy