What Value Does An Insurance Company Use To Total A Car? 
An insurance company will in general utilize various tools to determine the value of a car to see if it will be determined to be a total loss . In many cases , Kelly Blue Book or NADA seem to be the most common authoritative resources that are used to determine a car 's value . One other general rule of thumb is that if the cost to repair reaches 70 % of that book value , it is likely to be totalled . 