The insurance carrier didn’t make you a fair offer, even though you showed your vehicle’s fair market diminished value. The next step is to write a letter to the Department of Insurance. Fill Out this Form to Get Your Letter Navigation MenuWelcome to Car Crash Kit Step 1: Request an Offer–Start Here Step 2: Get the Trade-in Value of Your Car from Dealer Step 3: The Insurance Carrier Didn’t Make an Offer Step 4: The Insurance Carrier Still Won’t Make an Offer Step 5: The Insurance Carrier Made a Low Offer Although You Sent Them Your Car’s Trade-In Value Step 6: The Insurance Carrier Made a Low Offer and Didn’t Include Any Documentation Step 7: The Insurance Carrier Made a Low Offer and Did Include Documentation Step 8: Third Counteroffer: Your Comps are Better Step 9: Complaint to Department of Insurance for Low Offer Step 10: Letter to Driver after Low Offer