What Value Does Insurance Use To Total A Car? 
That can vary by company , but generally speaking , two pretty reliable tools for determining valueof a car are the NADA book and Kelly Blue Book . Thes both are a pretty good place to start and are regular references for claims in many cases along with both company specific and industry statistics . A good tule of thumb to keep in mind is that if the damage estimate is in the neighborhood of about 70 % of the determined value of your car , it is likely that the insurance adjuster will determine it to be a total loss . 