Okay, it is a stretch to post this question in the forum, my apologies if it is not appropriate but I know there are some experts on here that can give some good advice. A clown lost control of his vehicle in front of me on the interstate changing lanes and speeding in the rain. Bounced off the guard rail in front of me and I have damage on the front bumper hood, front left fender, grill, AND driver door. I have a 99 Mountaineer 5.0 AWD that to get another one in the same condition (near perfect as can be) would cost me near $3,500 to $4,000 from my experience looking at and buying four of these and then brining them up to perfect mechanical condition. The problem is the insurance company is only wanting to pay out $1,500 and keep the vehicle (total loss). So, the way I see it, I am out $2,000 to $2,500. Any tips for negotiations with the adjuster/insurance company to minimize my losses? I know it is a stretch, I guess I feel what is fair is I am put right back in the same vehicle same condition at no loss.