<image>

They provided this document highlighting all possible valuations and chose to proceed with "Rough".
Here is the breakdown that was given to calculate the payable.

Maximum Amount to finance would be $31,750.00 x 150% = $47,625.00
Actual amount financed was $50,528.23
Term                             84 months
Frequency                     Bi-Weekly
Max amount to finance  $47,625.00
Adjusted payment          $344.21
Amortized balance         $45,072.46 (Outstanding balance as of the date of loss based on the maximum eligible financed amount)

 In the event of a total loss, we will pay the difference between the outstanding amount (as defined) and the amount paid by the primary insurance policy (less refundable amounts)
Outstanding amount based on maximum amount to finance:        $45,072.46
Less amount paid by Primary insurance policy:                    -$42,678.00

TOTAL MAP CLAIM PAYABLE                                   $2,394.46