I have have had good results with stating my case and not accepting their offers as they usually will try and total your car for way too little or let you keep it and try and give you a lower amount than they should, every time I have argued my point and showed the car was worth more than they claim they have offered more, so I say it cannot hurt to stand up to them and tell them how you feel and show them what the VX really sells for and not what their little books say, they do make exceptions for true market value, if you have a good insurance company.