Every insurance policy has a appraisal clause built in. That is you can evoke the appraisal clause and typically the insurance company and yourself will need to get the car appraised by a professional appraiser. Or you can let the insurance company hire someone ang just go off that number. The only problem is you are now bound by that value. The good news is everytime we did that on a classic the car would not total. I eventually just looked at the classic car values on NADA and went with those. Only totaled a classic if it was way beyond salvageable.