I hope you're doing well. Sorry to hear the VX was lost. Don't let the ins. co. lo-ball you. Do a lot of searching for comparable VX's and print out the info in case you need to send it to your rep. They will try to settle in THEIR favor because that's how they make a profit. Farmer's ins. uses a company (Certified Collateral Corp.) for their valuations that has come under scrutiny for their methods. I ended up getting just over $20 k for mine (including misc. expenses like title, taxes, etc.) in Dec of 2003. Had less than 7K mi. on it.
If I can be of any further help, let me know.
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