​Can the insurance company pay me less than “Blue Book” for my totaled vehicle?

Yes. The Blue Book is only a guide. The company is required to pay you what your vehicle was actually worth (as a used car) the moment before the crash. The adjuster will find out how much used cars like yours (same make, model, and year) are going for in your area. It's a good idea for you to independently research the value of your car too.
Auto insurance can be confusing. That’s why our office stands ready to help you have a better understanding of your coverages. We invite you to contact our office for a no-obligation review of all your insurance needs.