You are experiencing a carjacking...

[rong]

I thought insurance payouts are never actually gave you enough to buy the same car.

[a500lbgorilla]

I thought insurance payouts are never actually gave you enough to buy the same car.

My insurer said they'd sit you down and go over the blue book value of the car.

[BennyLaRue]

I thought insurance payouts are never actually gave you enough to buy the same car.

You're right. I got more than it was worth and got a better car.

[Lukie]

I thought insurance payouts are never actually gave you enough to buy the same car.

depends how much you want to fight it. sometimes all it takes is going to a dealership and noting that a similar car to your own costs several thousand dollars more than the insurance company's offer to get them to bump it.