If you car is stolen you must have had comprehensive insurance on it since the insurance company is reimbursing you for the loss of your vehicle. The basic condition of your car when it was stolen is what will be considered by your insurance company when assessing the value your vehicle.

To determine the actual cash value of your vehicle insurance companies 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.