Steve69 wrote:

Your plan isn’t going to work hard to make sure your whole. You might want to look for a attorney.

I have one for medical ....looking for one for car now.
 

I have never been a big fan of insurance companies. You need to have them, some times ,they come thru good, some times they try to not pay on the claim. Many years ago I got into an accident, same insurance
company both cars (I didn't have insurance on my car, just the other guy's, the other car was insured the
same way). The insurance company said we were both at fault ,being that we didn't have collision on are
own cars ,the insurance company paid both of us nothing. Pretty covenant for them.
Your case seems different ,I hope every thing works out in your favor (REALLY GOOD! $)  This is some
thing that's no fun to have to go thru. BEST WISH'S mustang stu

Man this is why I went with Hagerty.  When you're dealing w/ a classic, even a modded ride, you are best to go with an agreed upon price policy.  The bigger insurance companies are going to use comparable that might not be what you think.

I found  my policy for when I had  the 20,000 Hagerty policy in 2009 well I emailed them saying i was considering using them again and they found the policy I had to look at.

The bigger companies can do a proper job, but its not their specialty, so if your agent isn't versed in this specialty type of insurance you are better off going with a dedicated company.  Mine is insured through State Farm, but its stated value, and my agent insisted I get an appraisal.  I've been with my agent for 15 years now, and we have a solid relationship.  In that time I've had one homeowners claim and one vehicle claim and both were handled perfectly and I was more than fairly compensated.  In this age of buy everything online its a mistake to do that with insurance IMO.

Billy,  Start gathering up For Sale ads to argue your vehicles value.  If they give you a low ball offer like $11k show them the ads you find and argue the value it’s actually worth.  More than likely you will need to deal with a supervisor or even Manager.  These little property damage adjusters are usually young and just out of college.  If they don’t give you what you feel your car is worth, you will need to ask for it to go to an appraisal.  That will involve a more detailed review and more accurate comps of your cars value. The catch with doing a formal appraisal is, if it comes in lower than their original offer then your stuck with it.  I believe given the type of car, there’s no way it can be lower than orig. offer.  If they give you hell, get an atty. to handle the PD as well.  See if he can fight for the value of your car.  Remember, if the other party is at fault, then his PD limits should apply in this case.  It’s not a matter of how much coverage you had on your car, it’s a matter of the other guy totaling your car. And that guy should have PD limits closer to the true value of your car, not just $11k offer they’re going to through at you.

If it comes to it, don't forget that anyone who witnessed the restoration in progress or the finished product can provide a sworn statement as evidence.  This could help if they try to lowball you with comps that aren't really comps due to lower quality workmanship. 

Where damage limits get sticky is it could be your policy or his depending on what coverages get invoked.  Now, it was a semi, so he should have commercial insurance that has very high limits (like in the millions), but a lot of what is required for those policies is state by state, so that's worth checking into.  If his limits were to be exhausted then it would invoke your uninsured motorist coverage for the balance.  If that still wasn't enough you can sue personally, and you should have at least 2 years during which to file suite.