Shortly before being hit by a driver who was texting, I had received a trade-in offer for $23,575.

The damage has now been repaired and the same dealer is telling me they can now only offer me $17,681. Allstate says the value of the car has not changed because all repairs have brought the car back to pre-loss condition.

This is a common scenario and while the vehicle has been repaired and the work warranted by the repair shop, they can