RANCHO CORDOVA, CALIFORNIA -- I have been in an accident. I am fine, but my car was rear-ended by a non-insured driver. My car is a 1991 Ford Mustang 5.0 convertible, it has very low miles (53K). I have had this car for over 17 years, and it's like a child to me, it had been in storage for 6-7 years, which explains the low miles and the good condition. The car had $4300 damage in the accident, I had gotten several official estimates. The car is not in perfect condition, but I would consider it in Good condition for the age of the vehicle. I have over the last few years been restoring it in my spare time. I bought replacement (original Ford parts) for the bumper, fenders, seats, carpet. The vinyl top has been replaced, the transmission rebuilt. It had been maintenanced regularly. There was some additional trim work to be completed, and then all it needed was painted. The car then would be in near excellent condition. My issue is that Progressive Insurance will only pay me $2400 and they keep my car, or pay me $1800 and I can keep my car. I only want my car fixed. they say the value of the car is less than the repair cost. But they have not shown me their research where I can get the exact same condition car for $2400. Or I could take their money and buy one, which in reality, I would be afraid to do, as I know the history and care I have given my own car. I don't want to have my car replaced with someone elses problem car.