They will use a combination of different things, when my husband had our car totaled they tried to go by the KBB, but they said that the car was only worth $ 300.00, after a good fight with agents and supervisors, we ended up getting $ 900.00, we just told them that it wouldn’t be right if we didn’t get a large enough amount to pay for another car.

i believe they use wholesale or the price you would sell at privately

kbb

I got within $ 100 of KBB value when my Mazda was totaled. Then again, it was in superior condition before the wreck.

It depends on the insurance company and what state you’re in.

Some use KBB, some use NADA, some use a combo of them and also use fair market value(they’ll find similar cars in your area and use their asking price on lots).

You can demand anything you want, Reality is what you are going to get from the insurance companies.

Most do not pay KBB, NADA or Edmonds or any other kind of book. They will do what is called a market survey based on many things such as year, make, model, mileage, condition, paint, interior, prior damage, tire wear, glass damage. ALl this information is gathered and rates on a scale from poor to excellent and a value is given.
They owe your for a replacement of your vehicle,not a down payment for a new one or anything like that. The value of YOUR vehicle as it was before the accident.