How do we value our cars?

I've yet to see a first gen Barracuda for anywhere near $28k and it's doubtful there are very many that would go for $16k. In the end, it is what is on the policy that will dictate what they offer and what you may take.

We went through an issue several years ago with a rough-around-the-edges 87 Daytona Shelby Z. Fresh drivetrain and lots of good parts. Allstate lowballed me at first, but I had fresh comparable ads that showed a greater value and got the adjuster to cover some recent expenses, INCLUDING my labor without receipts. He could have fought it, but it wasn't a ton of money ($4,200) and their insured was clearly at fault and they would have been out more if he hadn't hit an "old" car...They were also paying for a rental, which I think they would have had to pay for until we reached a settlement...