In my experience, the insurance companies do not use the Kelly Blue Book. Instead, they use their own software program to determine the vehicle's value. Not surprisingly, the insurance company software often comes in lower than the Kelly Blue Book, or other aftermarket sources for evaluating vehicles. The insurance companies software is supposed to have found several “similar” vehicles for sale in the local area, for the price they are offering. They are often not able to prove this when we demand to know where they found an allegedly “similar vehicle”, or the similar vehicle is in Arizona, Texas, etc. This is another reason to have an attorney who knows these issues, and can help you with them.