Your car insurance company has declared your car a total loss and sent you an offer. Most people assume that is the number. They assume the car insurance company calculated the value, the adjuster told them what the car is worth, and their only real choice is to accept the check. That is a mistake. If there is one thing to take away from this article, it is this: Treat your car insurance company’s first total-loss offer as if it is never its best offer. Do not assume the first number is final. Do not assume the valuation report is More…