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Chris,
First off, they do not go by NADA or KBB values on vehicles, those are used for guidlines for the general public. The actual book that they use is called a "Black Book". Those books come out every week. I used to work for a car dealership, so I know the ins and outs. As for if you can negotiate for the total price, depends if you have friends at the dealership that can pull strings. But 97% of the time, you can not. Also, if they total out the vehicle, you will have to bargain with the junk yard that the insurance company sells the car to. And they are definately going to try and turn a profit. But almost all of this is going to be based off of what the dollar damage the body shop sends to the INS company. I hope this helps.
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