@iownedu I have been with state farm for 20+ years and been treated fairly. I did however have a run-in with Geico of a person that rear-ended me when I was turning in my driveway and they totaled our family car.
The adjuster was nice enough, but his first offer was low. My State Farm Agent gave me a licensed appraiser and they did a full market analysis which I provided to the adjuster. In the end Geico adjusted their payout. The key is finding similar vehicles for sale and valuations. So the 'market' can always be assessed fairly easily for a car like this. Run a search for 07 Gallardos w/ 14k miles (or whatever) and similar options and there are your data points.
Having pictures that document vehicles condition is a good thing to have also. On our family car, condition was a factor in raising out payout and ACV (actual cash value).
There is an arbitration process if you dont accept the value and I think the Lambo market is 'tight' enough to make pretty clear valuations. Meaning there are not 1000's of data points like there are in other car. Looking up a model year, there may only be 20 examples and those will range from "low miles" to "High" and subsequent values.
In the end, having with my State Farm is a great value with very good liability and personal injury. I learned a good lesson after I got rear ended, is I carry the max un-under insured motorist coverage since my state only requires 25k personal injury. I carry 250/500. If you get hit and hurt very bad, that coverage alone will be worth it.
Again, my liability umbrella policy also pics up and gives me an additional 1,000,000 GL on top of the auto policy if anything ever were to happen.
I will fight the batter for 'value' in the event of a total loss, but to me insurance is more than just covering the cost of the vehicle. Live can change in the blink of an eye.