Even though your vehicle was uninsured in most states you may still place a claim with the at fault party's insurance company. They will investigate the claim and if they declare the car to be a total loss, as you believe they will, then you should receive actual cash value (ACV) for it.

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 which the adjusters use in their valuation. 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 can visit Internet sites such as nadaguides.com, edmunds.com or kbb.com to get an idea of what your car's estimated actual cash value or fair market value will be.

If you have other vehicles which you need to insure, you can get an affordable auto insurance quote here with us.