When an auto insurance company makes a payout do they go by Kelly Blue Book private party or retail value?

I was involved in an auto accident which I was not at fault for and was curious, considering it looks like the damage out weighs the actual value of the vehicle, when the insurance company cuts the check do they base it off of "private party value" or "retail value"? Its a 98′ Honda Civic sedan EX, and im just wondering how much I should be expecting…

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