« Reply #70 on: May 16, 2018, 05:36:53 AM »
Generally, insurance companies go by the resale value of a comparably equipped vehicle. In this case, at 2008 Kawa Concours with XX miles. The use local ads, even Kelly blue book to determine how much to cut a check for. And they almost always lowball you so be ready to counter.
Can one insist on "replacement" instead of value? For example, I have a silver 2011 in extremely good condition. I wouldn't want "blue book value" I would want another silver 2011 in extremely good condition. If that means paying 20% more than blue book and having to pay to get it shipped from another state, so be it- THAT is the actual cost. And I would want their insurance company to pay that. Probably not how it works, though.
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