That's the reason I said get quotes from dealers and private sales folks on what the actual market for said vehicle is.Several of the insurance carriers use a CCC One Market Valuation Report which is an abysmally low value. The adjusters will only reference that report for value and not consider KBB, Edmunds, or market comparisons. If your carrier uses this report make certain that he/she includes all the options and the correct trim level of your vehicle. They usually just run the report with the vehicle as a base model to offer a lower $ amount.
Should get VIN numbers so your comparing is good. A VIN NUMBER will tell you what options are on your vehicle.