Trying to guess at the actual cash value (ACV) of a vehicle can be tricky. There are several factors used to evaluate the amount of money that will be reimbursed to you or paid toward repairs from your insurance company.
The first, and easiest way to get a beginning estimate of value on your damaged vehicle is by using a service such as Kelley Blue Book (KBB) or National Automobile Dealers Association (NADA). These services both offer a wealth of information, much of which is free online.
Each insurer has its own way of determining the value of a vehicle. And sometimes they can be quite different, depending upon how the amount was calculated.