[onewhippedpuppy]

In addition to what Denis said, fully document your car’s condition including recent major maintenance, repairs, features, and current mileage. Then start looking for comps, preferably in your area but go wider radius if necessary. Seek out cars with similar mileage, features, and condition, not just anything close. That way when (not if) they send you a low ball with ridiculous comps you’ll be loaded to respond. You don’t have to accept their first offer!

My daughter was rear ended by a USAA member at a stoplight, no fault. In addition to USAA being an absolute nightmare to deal with they sent me a ridiculous lowball using comps that were 2-3x the mileage and in poor condition. I bombarded them with similar comps and ended up getting slightly more than I had just purchased the car for only 30 days prior.