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2020 Model 3 SR Totaled

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Just curious for some thoughts as to fair market value or what the insurance company will pay out. They said it will be totaled. 2020 Model 3 SR 61,000 miles. KBB lowest range under fair starts right around 21k. Seems low. Also would they factor aftermarket AP?
 
Tesla sells these cars used 2020 M3 SR for about $30K so is 21K that low? Depends on what their profit margin is but I see three 2020 M3 SRs for sale near me, all w/ about 40K miles for between 31-33K so it may be a BIT low but not tremendously so. The cars prices have come down quite a bit recently so if they offer you 25K for it you probably got a pretty decent salvage value.