Details: A 23-year-old girl came across the center line (texting probably) and hit me head on. Totaled my '06 Toyota Sienna minivan with only 112k miles. Her insurance company (Nationwide) is only offering me $6,935 for the vehicle, but I can't buy one with similar mileage for less than $8,500. Any tips for haggling with the insurance company to get a more fair offer? They say they don't have to pay replacement value, only "cash value" which is some mystical, abstract value that only exists for them. They hide behind the fact that they use a 3rd party valuation company, but they are the ones paying them so who do you think their "values" will favor? I'm just pissed off that I was happily enjoying my nice, older, low-mileage van and now their driver gets to total and leave me holding the financial bag. They should have to restore me to the position I was in before their driver took it away from me.