Older dudes can absolutely get younger girls. However, they are mostly going to fall into 2 categories. Serious emotional/psychological issues. Or looking for a sugar daddy without as much stigma.
If you are in great shape, have a good personality and a good job, then at 40 you can still pull girls in their 20s without to much trouble. If you let yourself go, and have nothing to show for your age then it will be a lot harder.
The better question is why would you want to? What would you even talk to them about?
Did you talk to the insurance adjuster to increase their payout?
What they first offer you is just that, an offer. You can absolutely come back and say fuck off the car is worth more you just need to be able to provide proof.
They try and pay as little as possible. Never take their first offer.
My car was totaled recently. Fucking loved that car. They first offered me 19k for it. I found similar cars for sale for 24k. Same year. Same trim, close miles. They argued that what I see is the listing price not what they actually sold for.
I told them to fuck off 19k will not buy me a replacement and if they can find me a similar car that a dealer will actually sell for 19k locally I will take the 19k. Took them a week to come back to me and they offered me 22k. I told them I just put new tires on the car and gave receipts from a month ago. They upped it to 23k. +Tax and title.
Point is, it’s a nagitiation. They will try and screw you if they can. Don’t let them
Also. They owe you for taxes. That’s IN ADDITION to the value of the car. So if they say the car is 20k according to them. Make sure you are getting roughly 21.5k from them.