How Do Insurance Companies Value A Car? 
I assume you are talking about total loss . Companies have various ways of evaluating a car . One is to use an industry standard pricing system such as Kellys Blue Book . Another is to try to find a comparable car in the immediate market . Regardless of the technique the company uses , the insured has the right to disagree . In most cases the insured has the right to collect an amount from the company and still keep the vehicle . If you can have the vehicle restored for less , then you will have saved money . 