Auto Insurance Claims: Accident Claim, total loss automobile claim

Question
I was in a car accident yesterday, I was declared at fault by the highway patrol officer and I believe my car will be declared as totaled and so does my brother who is a mechanic, I was wondering how the insurance company decides how much they will pay you, I am currently still paying on the vehicle I owe $6,000 on it and I was wondering if they go off the kelly blue book retail value or trade in value or less or more? Someone was informing me because of the state of the economy they offer more but I dont know how much truth there is to that. And is there any way I can get more for my car than what they offer special claims I can apply for or whatever. Thank you.

Answer
Justin, no they don't pay more because of the state of the economy. And people like your gullible friend is the reason why big corporations got away with screwing up our economy in the first place. If you want all the ins and outs of handling your claim, get the eBook Total Loss Auto Claim Advice at UClaim.com. Its got a money back guarantee and inculdes consultation with the author.