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Depends on the insurance company. Different ones use different methods, but blue book average is usually a good place to start. Who they pay and how depends on if she owned the vehicle outright or was still making payments on it, etc. Essentially, if the vehicle is a total loss (ie would cost more to repair than to buy the same vehicle), they'll make an offer to 'buy' it from her. She's perfectly within her right to try to haggle the price they 'pay' for the vehicle, but she better be prepared for them to squirm alot.
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