actual cash value

Actual cash value (ACV) from your insurance is not the same as an adjusted amount — it's an estimate on their books. I would get another person to look at the vehicle and get another opinion on the adjustment to make sure it was accurate before trying to fight the claims department. If you have any questions, don't hesitate to ask.

The answer to that really depends on your policy. If you don't have a specific part of your policy that outlines "new car replacement," you will most likely get the actual cost value of your vehicle.

Although you're required to carry at least liability insurance in California, your uninsured status shouldn't affect your ability to have a claim paid out. In terms of what you will receive for your vehicle, you will most likely be cut a check for the actual cash value of the vehicle.

There is a huge difference between the two valuation types when it comes to homeowners insurance. Replacement cost coverage means you would receive the amount of money it would take to replace your personal items (like a camera, for example) brand new.