just see what they want to offer you .. i was in an accident a year ago .. looked my value up on KBB and thats what i expected to get .. come to find out they went by dealership prices and what they would have gone for in the condition it was in .. i was happy with the offer ... dont be intimidated .. they are not the cops .. you have a little more say in what happens and what you think is fair as long as you have the paperwork to back it up