When your car is declared a total loss, your insurance company will conduct a car appraisal. The appraiser will inspect the vehicle for scratches, dings, dents, and body damage unrelated to the accident. They will also consider factors including age, interior condition, and the market value of the car. In addition, they will catalog all options, checking for things like a sunroof, leather seats, alloy wheels, roof racks, and so forth.