This Is A Heartbreaker....

Out of curiosity, I called my insurance company and asked what happens in the event I total my 68 Dart. They explained that I'd receive the agreed upon value, and they would keep the car. If I wanted the car back, they'd give me the agreed upon value minus whatever value they'd place on the car.

Makes me wonder how they'd determine the value of the totalled car. Has anyone been through that nightmare before? How'd they determine the value of the totalled car?