OK there is a lot you are not saying. Was it MFW? How many hours? ECT ECT.
In most states "betterment" is illegal (that means getting more than something is worth). In other words they are going to go with the market value of the tractor. Doesn't matter what it's insure for. I looked on tractor house and see a couple of 8010's MFW with pretty high ASKING prices and a 2 wheel drive for 3,500.
So, keeping in mind that your agent, not the company, sold you a policy with more coverage than you will receive in payout, you need to establish the actual value of your 8010 ( honest value based on overall condition and hours) then if the company is much off contact your state insurance commission.
Most insurance problems stem from the policy holder not really knowing what they are buying other than insurance and agents looking to make more commission. In a lot of states you don't have to know a lot about insurance to be an agent.
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