If your insurance company does not want to give you Fair Market Value for your totaled car is there anything you can do to make them pay FMV?

Insurance companies will not give you the book value for a vehicle, the will give you the market value. Which means they search the classifieds for the lowest value of the vehicle and discount it again in an effort to give you their lowest price.

Sue the driver of the vehicle,this will put pressure on the insurance company to come to an agreement with you. You can also contact the insurance bureau in your state, although I will admit it's very time consuming,you will get results.