re: New car totaled - value for insurance.

Quite a few years back, I worked as a claims adjuster for a major insurance company, specifically in totaled vehicle valuations. Ask for a Market Survey. The "Blue Book Value" isn't accurate on a month old car. Ask their adjuster or do it yourself, find 3 or 4 like kind and quality vehicles. Average the prices and that's what they owe you.

A few times, with newer cars, I'd call the dealership and ask for the exact same car, get the price and depreciate it for the miles put on it.

Hope this helps.