Modern Vespa

Related to my previous post, I'm battling with my insurer to get a fair market value for my GTS after it was totaled in an accident. So far they're offering me less than anything I can find available for purchase.
They say they use JD Power and another site to get the value (they won't use KBB as it takes private sales into account) but these seem to drastically under-value it.
They originally offered $3200 USD and I've managed to get that up to around $3500, but everything I'm finding for sale is between $5000-6500.

I understand that there are various factors that affect value so I'm looking for opinions on what people would pay for a similar vehicle to just get a rough ballpark to work with.

2016 GTS 300 Super, Dragon Red
Good condition
7k miles
Front folding rack
Rear top case rack (no top case)
Heated grips

I would think that not allowing private party sales into the equation would raise the price...everyone knows you can get a better price form the person selling than you can from the dealer who has to cover their overhead.

Also for me personally use and care factor greatly into the value of any used vehicle. Well documented service should increase the value.

You are in a major metropolitan area right? How about getting a dealer or two to give you an estimate of trade in value as well as what they would list it for. I agree that you will not be able to replace it with a used model from a dealer for anything close to what they are offering.

Aren't insurance companies notorious for lowballing? I wonder if legal assistance would be worth it? I think I would try to negotiate it up as best I could and then lawyerup if they don't make a reasonable offer. After paying the lawyer you may not get any more but at least you could increase the insurance companies payout.

But that's just me, I don't mind losing the fight as long as I get a couple good licks in and I think that's the attitude you have to have these days everything is just more cutthroat.

Thanks!
Strangely there really aren't many places round NYC that sell Vespas. I called a couple and they agree that what I'm being offered is way too low, but couldn't give me a figure. I'll keep pushing for more with the insurer and see what happens.

Maybe you can work a deal where you can buy back the old one for cheap and use for parts or sell good parts to recover some cost? Just a thought.

2016 GTS... $3500

I spent $3000 each on my 2014 and 2016. $3500 sounds about right.

Likely Black Book, which is virtually impossible to access at the consumer level.

Vespas are almost always over book vehicles, meaning they routinely sell for more than the book says they are worth. So are Gold Wings, some HD models, etc.
Review your policy. Somewhere there is a section about claims and disputes. Then look at everything the adjuster has provided you. Take notes every time he says anything. Ask him where he got the number from. Write it down. Tell him that your lawyer is sure to ask. But say this in an offhand manner, not like you're threatening him.
Ask him which office of the DFS issued his license. If you're in a licensed profession, complaints against you filed at the regulatory agency can have repercussions. Ask who in his company you should speak to to clear up this misunderstanding. It's not a dispute or disagreement, it's a misunderstanding that can be easily resolved.
Ask him to find a 2015-2017 Vespa with the same miles and color, which is likely the highest demand color, for sale, within a reasonable distance, at what he says your bike's replacement value is.
Remember, you do this almost never. It's all they do day in and day out. They know exactly what they are doing, and you may need to get an attorney involved, but let the adjuster know that you certainly don't want to do that.
Support your number. Find comparable 2015-2017 models listed for sale and/or sold over the last six months in your market. If you are on good relations with your local Dealer, see if the Sales Manager or Used Vehicle Manager will write you an estimate of Retail Value. Be a reasonable person trying not to get screwed over, not some raving lunatic threatening legal action. Find something to like about the adjuster.

Happened across this one and it looks like one of the lower prices I am seeing for this scooter, 2012 w/ 7700 miles.

https://sfbay.craigslist.org/sfc/mcy/d/san-francisco-2012-vespa-gts-300/7707768016.html

Mileage similar but 4 years older. For sale by owner where scooters are popular asking $4,000.

Thanks all.

I managed to get them up to almost $4500, which seemed near enough.