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A number of years ago my 2001 Nissan Maxima Anniversary Edition 5 speed was written off due to a deer that jumped onto the highway in front of my car. My car was 11 years old and the blue book was like $4000.00 and that was what they initially were going to award to me. I begged them that my car was in the showroom impeccable condition with no rust, scratches, or damage. After some pleading that the car was worth more to the tune of $11,000.00 which was way higher than the norm for that vehicle that old, Pembridge Insurance sent a gentleman from Hamilton up to Waterloo to look at my vehicle. Even though the whole front end was smashed in he looked and said "you were not kidding, this is showroom condition inside and out. He allowed me to look all over Canada and USA to find a replacement similar maxima with a perforated leather interior, brushed stainless interior trim, and silver color 5 Speed Sport transmission package and every one I found was in much worse shape than mine. Except for one in California. A long way away. he agreed at that point that he would cut me a check for $11,000.00 for it and I got to keep the Alloy OEM rims and tires which I resold. I was worried that I would get stiffed by the insurance company and that they would try to get out of their obligations and neither of the two happened. They were fair, honest, respectable, and quick with my payout. I was very happy that when I really needed them, they were there for me and customized my replacement payout going outside their benchmark book value guidelines. I had a good guy.