If you ever total your car you must read this

I just bought a car, which then was totaled in a crash. The company is offering less than the book value of the car, based on the amount shown on the bill of sale. Can they do this?

When a car is totaled in an accident the insurance company is required to get a few appraisals of what your car is selling for in your area at the time of the loss. If your living in NY City they cannot go and use an appraisal for Florida to settle your claim.