<prompt> Human: This is my first car that I bought on my own. Its a 2015 Toyota Corolla with 28k miles. I have comprehensive insurance and I have a loan on the car. The current payoff amount is 19k and some change. I tried to find the value of my car on Kelly Blue book but its 10k less than the cost of the car. Can that be right? Does insurance take that value to use to pay it off? How do I negotiate a higher payoff amount so that Im not left paying 10k on the loan?  <response>: Im not sure where you are - but in California, the claims adjuster is required to make an offer on your car based on the current selling price of similar cars in your area. I dont know if this will be the case for you but we were offered about 1.5x the blue book value for our car when it was totaled.Additionally, the adjuster sent a detailed list of the condition of our vehicle that he used to make the offer. I went over the list and found some errors as to the condition of the vehicle before the wreck. For example, the tires were listed as being in poor condition - 30 life left or something - but they had been put on new in the last 6k miles... I was able to use that to negotiate an extra few hundred dollars into the settlement. So, my advice is go over the list and use anything thats incorrect as leverage. Good luck. 