Shouldn’t have to. By then increasing your premium without issues it’s agreeing that the cost of your vehicle is increasing in value. They should technically send you a renewal of the reinsured value for your car. Shouldn’t be any argument as they state they insure your vehicle for book price. Current book price changes continuously. They just try to pay out as little as possible to make more money. They sell the cars on damaged any how so make money off you that way as well as the inflated premiums we pay to then never claim.
the amount of people who claim and to who don’t is minimal and then when they do claim so many people just accept the valuation they initially send or the second