How Much The Insurance Company Pays For The "Total Loss" (Sale) Of Your Vehicle.

The amount of money that the insurance company will pay for your vehicle will be based on the appraiser's "appraisal" of your vehicle and based on a computer "market survey" of what identical vehicles (of that same make, model, year, options, mileage, and condition) sell for in your area.  So, ask the "appraiser" for a copy of the "appraisal" (which lists your vehicle's particular characteristics) and ask the "appraiser" for a computer "market survey" (which shows what other identical vehicles are actually selling for in your area).  If the "appraisal" is correct (the make, model, year, options, mileage, prior damage of your vehicle, etc.), then the "market survey" (10 local sales of other identical vehicles and the particulars) will also probably be correct (because it is generated by computer from actual sales data from the State of Florida Department of Motor Vehicles and from vehicle dealers, etc., which data is difficult for an insurance company to manipulate).  The exact amount the insurance company will pay you for the "total loss" (sale) of your vehicle will be slightly different depending on which insurance company you use (please read paragraph 30(b).