California E&S Insurance

theres no such thing as an initial offer, your car is worth what its worth. they dont toss out low numbers in hopes you go away,t hat would be illegal and insurance is a highly regulated industry. yes they can take the rental away, most states the law says after they make the offer they owe you like 3 days of rental. or its spelled out in your policy. why dont you ask them how they got the mileage, perhaps public records? i frequently have to use public records or inspection records for mileage and we calculate it as best as possible sometimes as well if we cant get it. a car with 50k is obviously worth more than one with 150k, as for the stuff you had in the car, if this is your own insurance then you are not owed those items. your homeowners/renters policy would cover them. your car insurance only covers permanently fixed items into the vehicle. if its the other guys insurance, your gonna hafta prove the stuff was in there and possibly provide invoices/receipts for the stuff you already are on the right track in submitting other cars to compare your car too, but keep in mind these vehicles should be similar to yours in mileage and options and nearby. dont send them ones from 500 miles away

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