Nukeiridium, hopefully you never ever have the need but if you do, PM me before you contact a lawyer. I know the ins and outs of the trade because i used to be one of THEM! Now I'm an Independent Appraiser and work for both sides of the fence. Most adjusters are thorough and fair but sometimes I refer to their tactics as "legal organized crime". Sorry to hear they worked you that way! You don't need an invoice to see your rig is lifted nor does a upgraded stereo diminish the value. Anyway, knowledge is key and knowing what to say and what not to say makes a huge difference. Adjusters are trained to wear their conservative hats at all times. Sometimes you have to squeeze the living $hit out of them to get a fair settlement.