they use a claims adjuster or an appraiser to determine the damages. What they use, I have no idea.

They don’t use Neither..

What an Insurance company does it Finds your car as a Trade in Value at a dealership
Basically what the value of your car would be if you traded it in today for another car how much a dealership would give you.
They would Figure in the Miles your car had… deduct issues…
and price it out…

You can easily do this yourself..
by Contacting a dealership and asking what your trade in value would be.

Sure, you ought to consider the kelly blue book value your selection of as a possibility

I just went through this myself and discovered they (basically) use the trade in value of the vehicle not the retail. Check KBB.com and see what they offer. On a standard coupe it ranges from $ 2100 for fair condition to a high of $ 3000 for excellent.

Insurance companys use either red book or kelly blue book trade in value for your vehicle. They also would deduct for salvage cost. They usualy give you the option to take the money for the salvage cost and let the insurance company take the car, or you can keep the damaged car and they will deduct the salvage amount that you will get for it when you sell it to a junkyard. I have been writing insurance for a long time and have delt with thousands of claims, so if you have any other questions please feel free to email me laurenmascia@yahoo.com

None of the above really. Insurance uses “Fair Market Value” which is the average sales price of similar vehicles to yours in your market area.

You can expect to see something in the $ 1,500 to $ 2,000 area.

Claims adjustors from your car insurance company use a combination of dealer surveys, value guide books, online pricing sites and actual private party sales to determine your car’s actual cash value (ACV). They also factor in things like sales tax, registration and title costs of a replacement vehicle to determine this amount. Proprietary as they are, these determinants can vary from company to company and state to state. Ultimately, then, what one company comes up with may not match what another may find, or even what you’ll come up with on your own, using consumer Web sites like Edmunds.com.

A bit of advice, then: don’t just take their word for your car’s ACV. Involve yourself in the evaluation process. Do some research on your own, because the higher your car’s ACV, the bigger your check is going to be if they determine it’s been totaled. A valuable tool for establishing the worth of your car is Edmunds’ True Market Value Appraiser. The appraiser will adjust to price based on condition level, region, mileage and options. In some instances, such as if you have a particularly rare trim level, color combination or special edition of a vehicle, you may know without a doubt that your car is worth more than what the insurance company tells you. Don’t be afraid to present your case and ask them to make an adjustment — if your argument is sound, companies will probably listen to you. In fact, your insurer is required by law to give you a fair price, and they won’t want to fight you in court if it looks like you could win. But you may have to do the extra legwork of finding an independent appraiser and/or compiling research on your specific car to bolster your case.

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