Ultimately, your daughter will need to talk to her insurance company's claim department to find out how they determine a vehicle's value. However, in general, her vehicle's value is determined by comparing her 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, her insurance company may use a computerized evaluation process to assist them in determining the value of her vehicle.

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