When your car is totaled, the insurance company will typically offer you the actual cash value (ACV) of the vehicle, which is based on its market value at the time of the accident. If you believe that the offered amount is insufficient, you can try negotiating with the insurance company by providing evidence of higher values, such as recent comparable sales or maintenance records showing the vehicle’s exceptional condition. It may also be helpful to consult with a professional appraiser or seek legal advice, if necessary.