As you are most likely aware you would typically claim your stolen vehicle under the comprehensive coverage portion of your policy. Once the claim is investigated and the insurance company is ready to settle the actual cash value (ACV) of the car will be determined. The ACV is neither the amount still owed on the vehicle nor the lowest blue book number. Though each insurance company will have their own means of determining this value, usually it is a mixture blue book value, NADA value and what the local market is for your exact vehicle year and trim in like condition including the mileage.
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