American National Insurance Tom Stiver Insurance Goshen- Brian Osterloh Offering me 1/3 of the value price on my totaled vehicle took my vehicle without authorization listing it as a base vehicle so the price will be lower Springfield And Goshen Missouri

It sounds like this insured bought a car for way over the value it should have been sold for, (I am guessing that they have bad credit) and then he didn't put gap coverage to cover the difference in the car loan and the book value of the vehicle.  It also sounds like you were wanting the lowest price on insurance so some corners were cut to save a few dollars and then when the gamble didn't pan out, you want to have the best coverage and the most benefit which should have been there in the first place.  When you want certain coverage, you need to be a intelligent consumer and make sure you ask for the coverage that you want in place.  The rule has always been "CAVEAT EMPTOR,"  let the buyer beware and take responsibility for the difference of what you are wanting and what you are getting.  Ask the right questions and you wouldn't have had this problem in the first place.  Don't blame others for wanting to have the best for the least amount of money, it never works out that way when short cuts are taken, sorry.

Your van being taking to another garage is a common practice, usually they do this because they have a contract with a company and will not pay nearly as much in storage as the place it happens to be.

Whenever you have an accident and the tow company thinks its going to be a total loss its always a good idea to start looking for another vehicle, since it is the practice of insurance companies to only allow you in the rental for the minium amount of time as possible.

As far as them offering you less then your payoff value GAP insurance is the best thing, everyone should opt for this if they are in an upside down loan which from your figures i would say really upside down.

All insurance companies practices are about the same, unfortunatly you just happened to go through this expierence with this insurance company if it has been progressive their name would have been here instead.