<prompt> Human: I owned a 2003 Dodge Ram 2500. Diesel, top of the line equipment packages, etc. Basically my dream truck. Kept full coverage insurance on it since day one, 500 dollar deductibles. After parking my truck at a friends on the 4th of July so I could safely drink that night, we returned 2 hours later and the truck was gone. Filed a police report, the truck was found the next day about 5 miles out of town on an old dirt road, completely burned down. Truck was declared a total loss, and I received an settlement offer last night for a hair under 14,000. I paid 16,500 for it in January and the trucks book value is around 18,000. Is this it, or can I refuse the offer and wait for them to come back with something better?  <response>: They make that value on comps in your area. But they do everything they can to remove decent examples of similar trucks. Go searching for comps that are on sale for a high price and send it to the claims advisor. Be nice about it and just hold out for more. They always offer the lowest they can first. Once you accept the payment though... thats it. 