In the state of Kentucky, you can recover the difference between what your car was worth immediately before the accident and what it is worth immediately after the accident. Insurance companies use estimated repair costs and the Blue Book value of your car to make their decision.
If the estimated repair costs are more than 75% of your car’s Blue Book value, they will likely total your car and pay you the Blue Book value of your car immediately before the accident. In most cases the insurance company will send an adjuster to estimate what it will cost to repair your vehicle.
Your insurance company will then issue you a check for repairs or a check for the Blue Book value amount if they choose to total your vehicle instead. If you receive a check for repairs, you may use the mechanic shop of your choice.