Keep arguing with the insurance company and don't give up! After an accident with a taxi pulling out in front of me I was told by the insurance company that the bike was worth about 1400 £ (20 000 sek) and after five minutes over the phone they were willing to give me 1750 £ (25 000 sek) for it. I told them that it was a rare bike and that the bike was in good condition before the crash. I also said that the bike had a sentimental value to me, that I was not responsible for the crash and I was the poor guy with a broken hand and a hurting back. The last "arguments" are a bit strange perhaps, but they worked I guess. Pretty good profit for five minutes "work", and the best part is that I got to keep the bike!...?!

Remember that it's not the whole company you have to convince, hopefully just one person. Don't relent to them, keep on struggling. Good luck.
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MC21, GP-Replica (Daijiro Kato, Telefonica Movistar Team 2001)