Sad Ending to My Dart Build

so sorry to hear this.
i had state farm for my ins, on my 68 gts,70 duster and went to put my kids warlock on and the agent came over took a few pics of truck and asked for my appraisal ,i gave it to him and he said the appraisal is only needed to set price for bill, they go off of market value to insure the car for loss
so if appraisal is 25000. and car was totaled and the market value is 18000, thats what state farm would pay. they would not give me the appraisal price of car.
so i told them i didnt need their insurance and went with hagerty
better check and see if your state farm agent is gonna screw you over on your car, i hope not