I love how that shows that the insurance company is responsible for paying retail value for the car whereas the insurance company for BMW Northwest was only willing to pay trade in value for my car. When I ran my car on kelly bluebook my car was booking for retail value at $24,000 whereas the amount for trade in good value was only $19,000 this was the amount they were going to give me to settle. After they realized an Engine would cost $23,000 brand-new they decided that they would give me $23,000 to settle and they take the car as a total loss because the labor would have cost way more than the car was worth.

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