You may disagree with the amount the insurer decides your car is worth. You can try to negotiate with the company to change the amount they will pay you for your car. Ask how they determined what your car is worth and make sure all the information used to calculate that value, such as options, mileage, condition, and any deductions, is correct.

You can also get quotes from used car dealers and view prices online for similar vehicles. Remember that the asking price is typically more than the car will sell for.

If you have custom parts, upgrades, or recent maintenance, the company probably won’t pay more. However, you can still submit receipts for consideration because some things such as a rebuilt motor can add value.

If you can’t come to an agreement on the value of your car, you have other options. You can ask to speak to a claims supervisor or request appraisal. If you think the company has treated you unfairly, you can also file a complaint with the Texas Department of Insurance (TDI).