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I think with Insurance, they have to put you back in the position you were in before the accident. They wont improve your position, but you should get the same mileage, same condition, etc car as you lost.
Daughter went up the back of a car and wrote off her Galaxy, was a Ghia, full leather. Went through all the Autotrader ads and picked the ones nearest to hers, and asking the most money, sent in 5 ads, and the assessor was very good, got more back than if she would have sold it when it was OK.
Just got to play the system, always turn down the first offer, but you have to give the assessors reasons why they will give you more cash. Photos, service history, list of replacement parts, new tyres etc.
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