re: New car totaled - value for insurance.

quote:

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I had it for 30 days and put just over 500 miles on it.

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This makes it a Used Car.

Unless you have GAP coverage, your carrier’s only responsibility is to make you whole on your used car.

You are playing on the carrier’s home field (they value hundreds of vehicles per business day and you value one per every couple of years or so).

The vehicle was diminished in value by some amount by your use, they say $2,200.

If it’s half of that amount, you are arguing with an Insurance Company over ~$1,000.

Good luck with that.

Move on with your life and be happy no one was killed in the accident.