Sounds like Wisbaker has the idea. I had to play the same game with the insurance company some years back when a guy was speeding and passing in a no passing zone, in the rain, then lost control, and crossed the line hitting me. It totaled my truck and they wanted to give me peanuts for it, far less than it was going to cost me to replace it in kind.
I held out on them for over a year because I had both another vehicle to use, and the salvage vehicle sitting at my house. In other words no storage fees building up, and no real need to settle right away to buy another vehicle. They made several low ball offers, and I refused all of them, as none of them would even come close to replacing my truck. I don't know what happened, maybe they have a time frame that they have to be settled, or what, but in the end they were begging me to take their offer. I wound up getting exactly what I asked for, plus enough to cover my medical bills, all because I held out.
In this case you did absolutely nothing wrong, so them wanting to depreciate your property isn't really their right. Regardless of what the guys policy might say happens if they were replacing something that belonged to him, they now have to replace something that belonged to you due to their clients negligence. In other words you hold the cards, not them. Like others have said, find a fair value for the bin, and any costs involved with the removal of the damaged bin, and the instillation of a new bin. Too if it was used as part of your farm/business, a case could possibly be made for loss of productivity/profits due to the damage. If you are a business they are on the hook for that too. Dad went through the same thing when a guy hit his service truck. The cost to the insurance company for every day the truck wasn't available to work was a big incentive for them to settle, and get the repairs done as quickly as possible. Good luck.
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Today's Featured Article - Uncle Cecil's Super A Lives Again - by Mike Purcell. A week or so out of most of my childhood summers was often spent with my Uncle Cecil and Aunt Sissie in the small East Texas town of Maydelle on their 80 acre farm. Some of my fondest memories of these visits are those of learning to drive a tractor at the helm of Uncle Cecil�s 1948 Farmall Super A. Uncle Cecil was the second owner of this wonderful little tractor, but it was almost as though he had adopted an infant. The original owner was a man from Minnesota who bought her from a local dea
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