I haven't posted in awhile because I have been consumed/obsessed with getting my car back on the road--so far, unsuccessfully. I have posted about this before, but this tale just keeps getting stranger. Here's some backround: On December 24, 2009 I slid on black ice into a snow-covered 6" curb and sustained relatively minor damage to the lower part of the front end (radiator, condensor, lower spoiler, radiator support). Liberty Mutual (LB), my insurer, sent out an appraiser who came up with $2200 in repairs. Because he gave the car a valuation of $2450, he totaled the car. (This appraiser used just one comparable from Brooklyn, NY.) LB was incredibly eager to get their hands on the car, even sending a tow truck to pick it up after I repeatedly instructed them not to touch the car, and that I was going to keep it. Anyway, I challenged the valuation after doing a lot of research on comparables, which I sent to them. They then raised the valuation to $3387. I declined to accept that and sent them local comparables that showed cars of my year and model all selling for >$5K. LB refused to raise their valuation. I told them I wanted to start arbitration. Arbitration is where I hire andappraiser, and LB hires one. The two appraisers try to agree on a price for the car. If they can't agree they jointly choose a third appraiser who is the umpire or arbitrater. What he says goes, I have to accept his pricing. My appraiser said $4200 and theirs said $2450 (surprise, surprise!). Here's where it gets strange: It was reported to me by my LB rep that my appraiser refused to participate in choosing the umpire and supposedly said he was finished with the process. I called and emailed my appraiser several times last week but he did not return my messages. I figured he had bailed. Today I get an email from my appraiser telling me that he had to leave town last week for a family funeral, and that he had spoken to the LB appraiser and had agreed to the choice of an umpire, but had not confirmed it before he left town. I had already written to him demanding my $150 fee back from him because he had (supposedly) bailed, and threatened a small claims suit for non-performance of duties. This is not the first time there has been conflicting stories from these two parties (LB and my appraiser). Here is my decision and here is where I need advice: Should I accept the standing LB check of $2837 (after deductible and salvage fee) or should I push to complete the arbitration process (and possibly end up with even less)? After all, the $2837 is enough to fix my car and then some. But should I accept less than I think the car is worth, now that they've totaled it? And the fact that they are (probably) ******* me around? Or am I just being greedy? It's been almost two freakin' months since the accident, and I badly miss being on the road with my bimmer. Sorry for all the words...thanks in advance.