The hopefully only car I’ll ever total was about 20 years ago. I bought it for 7k and drove it for 5 years. They initially lowballed me at like 3k. I was able to show them Kelly blue book values and current used market it was closer to 6. Ended up getting a little over 5k.
Of course in the 5 years since I got the car the used market was nothing like it previously was. A comparable purchase would have been 12k not 7k.
Their jeans have to be superior to contain their girthy thighs.