Since the market value of our cars are usually a bit higher than book values, what would insurance pay out if your car was totalled. Say the book value for a 91 is $25,000, but its low mileage 91 that you paid $35,000 for, what could you expect from insurance? I am not in any situation like this, but I have always been curious as to how this would be handled. Would the adjuster look at the current asking prices of the market or just use book values. Any of you guys have experience with this? If they pay based on book value, I would have to say that we screwed if our cars are ever totalled.