You will receive the fair market value for your vehicle. An insurance company is only required to compensate you at the fair market value. This may be more or less than is still owed on a vehicle if it is still under a finance note The amount still owed on any finance note has no bearing on the current market value of your vehicle. The easiest way for a layman to determine the fair market value is simply to look around at other similar or preferably same type vehicles currently for sale in your area. Look for same type vehicle with similar options, similar mileage and wear. After finding several vehicles for sale, determine the average sale price of those found. You will generally find that the amount offered will be near that average. Should your offer be less, then you should negotiate the settlement price with the adjuster. Adjusters are not paid to haggle with anyone. They are paid to follow their states Insurance laws and adjust claims fairly.

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