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I just went through this with my wife's truck. I got an appraisal and the insurance had an appraisal, then we hashed it out for a week. I didn't get the full amount of my appraisal, but we got close and if we itemize this year we can take the rest as a deduction.
Diminished value laws vary from state to state so find out what the procedure is and know your rights.
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Peppy
2011 BMW 335d
1988 Targa 3.4 
2001 Jetta TDI dead
1982 Chevette Diesel SOLD 
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