@caymele This is PA law I’ll describe but there are parallels. I encourage you to find the Total Loss Appraisal law for Texas. I had a similar accident and a similar situation, with a CCC evaluation. The 3 comparables they used were different body type, where an owner of one type would not typically consider the other type for good reason. So the comparables were not comparable. The engine was different as well, so look at the serial number of their comparables and ask yourself is it something you would have ever driven? The comparables in PA are derived from what has sold recently, or what is on the lot and what the lowest $ a dealer would take. Interestingly, the adjuster claimed the law was a 100 mile radius from my garage and couldn’t use the other comparables I had found outside the radius (despite what we all know about cars online these days). There were no local comparables with my body type. The DMV in PA however, said NO, there was no such law regarding distance of comparable. So get the total loss law and check what they tell you against what the law is. You are a 3rd party claimant, which puts you low on the insurance priority list, but you still have rights and they can’t lie to you. Adjusters have a job to do, and you can be sure they conform to requirements put on them by their job. They usually deal with people in desperate need of any replacement auto who can’t wait around for a better deal. In PA, if the car will pass inspection, it can’t be totaled and be “deemed” totaled and undriveable by a third party, rendering your car useless to you. If it can be registered, inspected and insured, you are good to go. They must pay you to fix the car, or give you what it was worth just prior to the accident, minus scrap value. You need to get all your ducks in a row to counter whatever claims they come up with, that you disagree with. Find out what the small claims court limits are in TX, and if you have to and feel “you are right”, decline their offer and indicate you’d prefer to go to court. Be sure your ducks are in a row and you know what you are talking about. Good Luck.