VW and insurance questions (NAC)

[Steven Addy]

Hey
I'm looking for information and free advice and I know this group
normally is full of both, so, thanks in advance.

My girlfriend has a '95 VW Cabrio and the other night some mf slashed the
top in an attempt to break in. We went to the insurance company to have
the top replaced and they gave us two options, over and above our
deductible. They said we could get an OEM top if we agreed to pay an
extra $500 for depreciation or we could get an aftermarket top for $0
additional charge. To make it a little more complicated, the adjuster
said that both the OEM tops and the aftermarket tops are made by the same
manufacturer and that they are near identical. Anyone got any insights
concerning this situation.  For obvious reasons, we do not believe that
insurance companies or auto repair shops have our best interests at
heart.

Regards to everyone.
Steve Addy