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Hi, my 2003 Toyota Camry was totaled and the insurance company gave me a quote that I think is on the lower side.Am trying to find what the fair market value would be.I pulled up some prices on Kelleys blue book that are higher.Could you assist me with this? I got your information online when i was researching what to do when your car gets totaled. Thank you

Answers from the Automotive Experts

Geralynn Kottschade, Vice President at Jerry's Body Shop Inc. Evelyn, I don't know too many insurance companies who follow Kelley*s blue book. NADA.com is a good source for a fair market value. Also a little research by calling local dealerships to see what they would sell your vehicle for. Good luck Geralynn Kottschade

Jennifer  Justice- Haley, Body Shop Owner/Operator at Co-Owner of Elite Collision Service, Inc Insurance companies are in business to 1)collect premiums and 2)pay out claims as a service to their customers. In between those two their job is to control costs. Keep in mind: You are paying premiums for this service and are entitled to fair market value on your Camry. Kelley Blue Book, NADA.com or your local Toyota dealer list prices should all serve as further evidence on value. If you recently had some mechanical work done (like a timing belt, new shocks, new tires, etc.) use the receipts as proper documentation for a fair settlement. In Ohio, you are also entitled to sales tax and license transfer fee reimbursement should you purchase another like, kind and quality of your totaled Camry. Hopefully, you have an insurance agent to go to bat for you if you still think you*re getting pushed around. They should be educated on your rights and what your policy says you*re entitled to (if your dealing with YOUR insurance company). If you still feel like you*re getting jerked around, contact your state Attorney General*s Office Consumer Affairs division. Good Luck and remember that it*s your car and you have rights under the law!

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