They gave me almost $1,000 more than my car was worth when it got totaled by hail (my old 86na). They also gave me the option of keeping the car for $800 which I did ... sold it for $2,400. So i got over $5,000 for a car worth about $2,000 because of a hail storm. i love my insurance company. From what I hear, others aren't so great about it. This is because a lot of them do use the NADA book value rather than the true market value (which I guess is what State Farm did for me). Nada values are generally not high. Good luck. (be sure to tell them about the mods and have receipts if possible)