Their valuation is using compatible vehicles that blatantly favor them. They refused to use one I offered because it is 800 miles away when one of the ones they are using is 1000 miles away. Every valuation the give me is erroneous despite walking through the errors with them three times. They insist on exclusively using rusted out vehicles from the north as comparisons. There is two examples of the truck for sale in the country and they are $35,000 (they won't go a cent over $27,000) but they are private sellers so they don't care. Every other comparable vehicle is quite a bit different in ways that make them unappealing. A direct comparison simply isn't available from a dealer nation wide. It is comprehensive insurance stating "like for like replacement" in the policy. The after market add ons have less to do with the value of the vehicle and more to do with them replacing the items I had insured. For me this is more about replacing exactly what I had instead of determining what they think the value is because guess what, I can't buy it back for that.