I was involved in an accident that was not my fault. I am in California. Both drivers have the same insurance company. The cost of repairs is estimated at about $7000. I was told by the adjuster that the car would be totaled at 70% of ACV. It is a 2003 Jeep Grand Cherokee Laredo 4wd 6cylinder with no extra options, with 116000miles in average condition at best. (Needs tires yesterday and $4500 in previous body work, wear and stains on interior). KBB, Edmunds, and NADA have the value at around $7k-$9k so they sent me to total loss dept. Total loss told me it was totaled and that I had 5 days of rental car left and made arrangements to pick up the vehicle. The next evening (after I have arranged financing and started looking for new car) they called back and said never mind we looked at the wrong file, your vehicle is valued at $11,900. I was shocked. I want the car totaled. Gap insurance will cover me whatever they pay but $11900 is ridiculous. How do I argue that they have overvalued the vehicle? I paid $12500 over a year ago from a dealer in excellent condition, with new tires, and 62000 miles. The previous damage was repaired completely but will still have to be disclosed and now after another $7k I'll never be able to sell this thing.