If your car is a total loss, the insurer will determine its worth based on several factors, including its age, the vehicle’s condition, mileage at the time of the accident and the sales price of comparable vehicles in your area. The value you get won’t necessarily match up with the price listed on a site like Kelley Blue Book. When determining the value of a totaled vehicle, companies often use third-party vendors that aggregate vehicle data to calculate the current cash value.