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Old 11-17-2021, 03:31 PM   #9 (permalink)
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Originally Posted by aerohead View Post
I've never met anyone who was fully compensated for their loss, unless they sued for the balance in small-claims court.
I've had it go both ways.

Best case was a 1991 Yamaha FJ1200 I totaled in a highside crash. The insurance company paid out straight bluebook + an extra $2000 for accessories. I bought the bike back for a couple hundred bucks and sold just the engine for 3x what I paid to buy back the bike. I bought a replacement bike, swapped the accessories over and ended up with a couple grand in my pocket.

Worst case was a 1972 Porsche 914 that was involved in a crash in 2000. Insurance didn't total it but also didn't want to pay for replacement parts to actually fix it in a shop. The big sticking point was the original chrome bumper. Insurance wanted to pay for either a rusty scrap yard replacement or a fiberglass replica. That went many rounds before they cut me a check.

Our 2003 Jetta TDI wagon also got rear ended lightly twice. Both times there was just a bit of paint damage and a few wrinkles in the paint. Both time I took the $1000 and pocketed it instead of fixing the car.
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