Just found out that insurance co. will total our 5'er due to major damage suffered from an encounter with a pot hole. (Okla. roads are terrible!) How will they come up with amount we'll receive? NADA ...
I think the more important question is your insurance coverage. If it is replacement coverage you will need to find a comparable unit and haggle from that price point. If it is depreciated value get an NADA number. They are generally a range from low trade to good retail as best as I recall and then haggle from that price point. HTH