Your vehicle's value is determined by comparing your vehicle's condition to similar vehicles. This may include input from local auto dealers, private parties or recent sales. Condition, equipment and mileage differences are also taken into consideration. In addition, your insurance company may use a computerized evaluation process to assist them in determining the value of your vehicle.

You should contact the claims adjuster and bring to his attention the differences between your vehicle and the 'like' vehicle he or she is using for comparison purposes. It is possible that he or she is unaware of these differences. You should also present him with the independent research you did online. You are in a better negotiating position with the more information you have.

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