Usaa Auto Insurance ripoff would not give fair market price for totaled auto San Antonio Texas

We have had 2 auto accidents in the last 3 years that totaled our vehicles (neither was due to our fault luckily). USAA is our insurance company and each time we had to really fight them to get fair market value. I will say that I find USAA to be an excellent insurance company with the exception of this specific problem. Both times, we were able to resolve the problem but it does take time, work and you will have to do most of the calling (at least they have a toll-free number). #1: Make sure you have the phone number and 5 digit extension of the claims representative that is handling your claim. Make sure you always contact them, as they will have all your info so you don't have to keep repeating yourself. #2: KBB.com is good, you can also get a couple other evaluations at autotrader.com and nada.com. 3: Go online to dealerships and newspaper ads in your local area and try to find as many similar vehicles for sale in the price range that is fair. Make sure you are getting cars as similar to your vehicle as possible - if you can't find any, it is better to expand the search distance if you can find cars more similar to yours. Make sure to print EVERYTHING with the website addresses and dates on them. Call the 800 number and wait for the option to dial an extension. Get their fax # and send them everything you have (along with the receipts) and a nice, but firm letter. Keep calling the same person (within reason) until they give you a definite answer. This worked for us the first time, the second time we had to hire an independent appraiser. We got a list from USAA and used one of theirs. We had to pay $150 but it was worth it. Send that to the same person. This should go a long way to prove the fair market value and your commitment. If that doesn't work, ask for that person's supervisor's name and extension number. Don't be rude, but be firm and make sure they understand that you're not going to just "give in." Lastly, make sure that the fair market value is really what you are asking for, and to be flexible. Good luck!

the insurance company is stating they are offering $3100 for a auto that is bluebooked for $3955 to $5640 hi end. the auto was just rebuilt with new paint and a complete mechanical up date. receipts were submitted to insurance company.