in july of 2004 i hit some one and totaled my cay.
i had full covage on it. i need to know how to make the ins. company
pay for it, i had what they called lease lone pay off. the ins. company said the '97 ford mustang is worth $2,700 but you cant buy one for that, i still owe $5,000 on it. i had the car appraised, it appraised for $4,225, the inc. company said they think that is too much for the car, how do i get what it was appraised for????

You can sue your insurer, or there may be an arbitration or mediation clause in your insurance contract that dictates how to resolve disputes. But as a practical matter, you may want to recheck the valuation of the vehicle to ensure it takes into account condition, mileage used and if you were over lease mandated miles.

If your policy has an arbitration clause, a lawsuit may not be the proper forum. Most standard auto policies do have a built in arbitration clause. It essentially allows you to hire your own appraiser (I believe that you've already done this). The company will also use their appraiser and present the information to an independant arbitrator that is agreed upon by both parties. All of the clauses that I've seen indicates that the arbitrator's decision is binding. It's much more cost effective than a lawsuit.

You may want to look hard at your appraisal and make sure that it truly substantiates the value of your vehicle, accounting for any conditioning issues.