How Much Will Insurance Pay For A Totaled Car? 
That is a great question ! Basically what happens is that the insurance company will refer to a resource like the Blue Book , or their company 's guidelines , and that is the amount that they will offer . It can be changed , if you had a stereo system , rims , or something else done to the car that would have increased it 's value from what a `` normal '' car same make/model/year would have . Do n't let them lowball you , ask for more . Often they will compromise with you , and pay more . Good luck , and thanks for asking ! 