Following your accident a mechanic will inspect your car and decide what repairs it needs and how much those repairs will cost. If the mechanic comes to a figure that amounts to eighty percent of your car’s value then you insurance provider may decide to consider the car totaled. Your insurer will then offer you the blue book value of your car before the accident occurred. Sometimes this number will seem lower than you’d expected. That’s why it is to seek legal advice when dealing with insurance companies following a car wreck.