What legal rights do I have if an insurance company is not giving fair value for a total loss claim?

Question Details: The insurance company that covers the at fault driver of an accident which resulted in a total loss claim. The value they are offering to pay for my vehicle is $1000 less than I can purchase the very same vehicle. They devalued my vehicle due to the interior. My point is that the interior of the vehicle shouldn't have anything to do with the value since they will not repair the vehicle. What legal rights do I have to get a fair settlement from the insurance company?

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