Auto Insurance Claims: auto theft, comprehensive insurance coverage, gap insurance

Question
Once again thank you so much for the advice, its a difficult process to have to go through.  One final question.  I just did some research on this car on Kelley Blue Book and noticed that since my vehicle is in such short supply that the value of the vehicle is $2-3000 greater than the MSRP.  When dealing with the insurance co. are they going to acknowledge that the fair market value is higher than my original purchase price? Any suggestions on how to approach this?

Much appreciated!
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Thank you for the quick response!  In cases such as this is it more likely the insurance will attempt to replace the vehicle for me or attempt a cash settlement (and if they do will they cover the taxes and registration fees?)

Much appreciated,

MP
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Hi, looking for some advice regarding a new vehicle purchase which was stolen after only 7 days! Recovered days later totally stripped!  This is my first experience with these matters.  I have comprehensive insurance coverage but am curious as to what I should be expecting for my claim, (i.e. value of new vehicle which only had 10 miles on it, any recovery of taxes payed, or liscensing fees)?  Would my insurance company be willing to fully replace my vehicle minus the deduction?

thanks
MP
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With a vehicle that new, I would think you will receive the full value so it can be replaced with another new car.  However, if you had negative equity from a trade in, that will not be included unless you purchased separate GAP insurance from the dealer.
Good Luck!
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If by replacing the vehicle, you mean physically going out and purchasing the vehicle for you. No.   They will pay the actual cash value, first to the lien holder or dealer and if there is anything left over, the balance to you.

As far as taxes and other fees, this may vary from state to state.

Answer
Kelly Blue Book has nothing to do with actual cash values.  An insurance company will actually contact several dealers for quotes on replacement vehicles.  They will settle for the lowest or average quote.  KBB is only showing "suggested list prices" which no dealer actually sells a car for.  It it were to be believed as an accurate value, then how could you have purchased the vehicle for less?