<prompt> Human: My Fiance and I purchased a new car in May. Two weeks ago a 100ft oak tree fell on it while parked in our driveway.The repair company determined that it was totaled last week, and the total loss department talked to my fiance this morning letting him know that they would cover the amount of the loan less 50c for every mile driven understandable and would not be covering the downpayment we made 1500 We payed under the value of the car with a good price according to truecar so if State Farm is only paying the loaned amount- arent they paying under the value of the car? Is there a chance of arguing with them to include the down payment? What is the best way to do so?Were switching insurances, this is the Fiances second claim with them this year that we feel they vastly underpaid. He recently had flood damage happen we were replacing that car with this one and State Farm mishandled the entire situation  <response>: As said before, the details will hinge on the particulars of your insurance contract. Generally though, you are entitled to the diminution of value of your car. Totaled means it went from some value X to zero. So you are entitled to X. The amount owed is usually irrelevant but check the contract and do not settle for loaned amount if your are entitled to diminution in value and it is greater. 