What does insurance pay if car is considered totaled? Trade-in, Personal or Dealership bluebook value?

This is how it works, they call dealerships asking what they will give for your vehicle. Now the dealer shoots really low because they want to get it cheap if they are buying, but most of the time they don't want it so they really go low. That is how insurance comes up with "Fair market value". If you can find like vehicles in an advertisement you can prove it is worth more. Also if it is your insurance you can ask them to replace it. Good luck, it's a hard fight.|||you,ll be paid current blue book value of the car or what it will have sold for,they usually are pretty fair on dealing with this kind of thing,they,ll give fair market value on it,good luck.|||bluebook value. You might could get more if you put extras on the car yourself and have the receipts to prove it.|||You will be paid market value, or actual cash value (ACV). No one but dealers use Kelly so check the value on NADA.