Why did the adjuster offer me an amount for my car that was less than Blue Book value?

Consumer guides such as Kelly Blue Book and NADA annually collect and publish data on the value of consumer vehicles.  But these guides offer only a general estimate of value and may not take into account certain factors the car insurance company will use to determine the value of your vehicle.

The final offer made to you by the adjuster will be based on the resale or fair market value of your vehicle in your particular geographic location.

There is often confusion regarding property damage value, because the clients look for reimbursement at an amount that they feel the car is worth to them, not what the car would actually sell for in their particular town, city, etc., and there can be a sizeable difference between the two.