[miket]

If a careless driver hit your trailer and totaled it how would that persons insurance determine how much to pay you for it? Or would they bring it to an auto body shop and have them spend a lot of and money to rebuild it it no matter how messed up it was? Would they fix any damge to the main truck and you do the same work again yourself on the modifications and trailer an bill the hours to their insurance company or would they have to do it all? Is your truck with modifications appraised for higher than the blue book value in case the insurance company would want to write it off and give you a small check?

Last night a big old car just pulled out in front of my car from a side street without looking. I slammed on the brakes and swerved around in a split second between that car and an oncoming pickup truck missing them by a couple of inches at most. It was all reaction. That got me thinking.