[Schonyenko2]

The problem I've found is establishing that ACV. My CPI value guide shows a 72 ss 350 camaro at three levels. Fair#4 at 7600.00, good#3 @13575.00, and excel #2 @20600.00. That's based on a standard, non modified car. The issue usually is, who decides the level, and, what about any mods. Also, there's usually a pissing match over NOS, vrs off shore sheet metal, depending if it matters to you. Most ins. companies won't cover the extra for NOS. And there's sometime an issue over paint match due to age, or a custom blend.
Part of the problem is that they send you to a collision body shop, that has little experience with classic cars, vrs one that deals in classic restorations.
Now, you knowing these cars, makes a big difference on how a claim would be handled vrs, say a Geico, or Progressive.
While you may disagree, I still think if you have an established value, with a well written appraisal, noting for example that the car has original sheetmetal, or other pieces/modifications that legitimize you requesting say, NOS sheetmetal replacement vrs off shore, or a NOS rad shroud, you stand a better chance of forcing the issue if the ins. co. says no. JMHO