[TimG]

I've used State Farm. I lost a low mile '69 Pace Car car in 1992 and was prepared for a battle. They settled fairly with me, used a price guide and spoke with a local Classic Car dealer that verified the value. When you loose a car the responsibility to prove the value is on the owner.
The adjuster told me that this was a very easy claim to settle, he let me keep all of the paperwork on the car as they didn't want the window sticker, POP, build sheet, ect.
He said the hard ones to settle are with the owners that have put $50,000 in a car and it is worth only $18,000.
Just because you insure a car for $80,000 doesn't mean that you get this if it burns up, you must prove its value after the loss. I saved adds for similar vehicles, had magazine articles about my car, had a bill of sale from when I bought it 11 years before the loss stating the miles from the dealer that owned the car from new. All of this and more made my arguement for the value I declared at the time of loss. The insurance company is also responsible for paying taxes, title fees, and license fees to bring you back to whole. These fees should be paid on top of the value of the vehicle (may vary by State). This is something you may have to remind them of at the time of loss.