You are somewhat right. Usually, after the insurance pays off, if the value is close to the payoff, the insurance company takes the title and as a replacement you get a salvage title. You then repair the vehicle and have it inspected by the state and show all your receipts for repair parts and if you are lucky, you get a rebuilt title and then can license the vehicle. The problem is, some older cars, parts are so expensive, that it don't take much damage to produce a total. Some cars if the airbags deploy, they are so expensive that alone can cost as much as the car is worth to replace. I have seen minor damage total a vehicle due to the price of parts and labor.
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Today's Featured Article - Restoring a John Deere 2010 Diesel Tractor - by Jim Nielsen. Following seven years working in California's Silicon Valley, my wife, baby son and I moved back to Australia to retire. We bought a small 'farm' of about 50 acres near Bendigo, in the state of Victoria. I soon found that it would be very useful to have a tractor around the place for things such as grading our long drive and brush-hogging the fields. I was also embarking on planting 1000 eucalyptus trees, and hence I would need a ripper, small disk plow, sprayer etc. to get these things accompli
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