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What value do body shops usually use to configure the value of your car?

I was in an accident and I think my car is totalled. Body shop called and said damages were $9800 and I found 3 separate values on my car. Suggested Retail Value: $15,600 Trade In Value: $10,045 Private Part Value: $12,025 What value do body shops usually use determine value?

Public Comments

1. Blue book value
2. Don't worry about what the body shop says -- it's the insurance company that will make that call. Usually NADA is the best source for determining a base value of a car -- private sale or market value is used to determine value.
3. What matters is what the insurance company says in regard to it's value and what they will give you if it is totaled.
4. Body shops do not typically value your vehicle. There are set thresholds in the estimating databases that are determined by the individual insurance companies the shop deals with. Most insurance companies will set a threshold of 70% or ACV or actual cash value. ACV is determined by several factors which includes Kelly Blue Book, Market Area ZIP code and actual sales of similar vehicles with the same equipment, model, mileage, trim level, options etc. If you have a $9800 repair and the insurance company is choosing to repair the vehicle than it would have an ACV of no less than $14000. $9800.00 is 70% of $14000. Hope this helps.