Valuing a totaled car

The insurance company will look at Kelly Blue Book, NADA, and other price guides to determine the value of the vehicle at the time of destruction. They will also take into consideration recent sales of vehicles similar to yours. Aftermarket add ons, customization, and upgrades are not taken into consideration. The reason for this is because what's desirable to you may not be to someone else. Only the vehicle, mileage, and overall condition are factors. Now if you recently had the vehicle appraised by a reputable appraisal company you can argue that with the insurance company. But even so, there's going to be some depreciation from the time of the appraisal and the time the vehicle was destroyed. Hope that helps! Jim