The actual cash value (ACV) of a stolen car that is not recovered is determined in the same manner that a car that has been found to be a total loss in an accident.
The ways in which insurance companies determine the actual cash value of a vehicle vary in their methods. The typical ways in which the claims adjuster will calculate the actual cash value are: comparing your vehicle to local sales of the same model car in similar condition and with similar mileage, blue book or Nada guide values and/or a computerized evaluation process.
Every insurance company has their own internal rules that are used to determine actual cash value (ACV) of a car that has been stolen and thus is a total loss to the insured. Determining ACV also takes into account the effect of depreciation due to wear, condition and age.
Determining the ACV is subjective and we know of no standard table that is used so to find out exactly how your insurance company will determine actual cash value if your car was stolen speak with the claims adjuster that is working your claim.
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