The way my insurance company spelled it out to me after I had a collision between an 88 Jeep Comanche pickup and a deer, there's a "70% rule." IOW, if the cost of repairs is 70% of the current retail "book" value, the insurance company has--and usually exercises--the option to consider the vehicle a total loss.
Since I was driving a $3000 truck at the time, and the lowest repair estimate was $2200+, they consdiered the vehicle a total loss and my comprehensive coverage--marked ACV, for "actual cash value" on the policy declarations page--only paid me the lowest estimate LESS my $500 collision deductible, or a shade over $1700...and then cancelled my coverage because I had too many "incidents," even though this was the only claim they ever paid out on my behalf. [All other accidents had beed the fault of other drivers, and were listed as such on the police reports.]
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Today's Featured Article - A Cautionary Tale - by Ian Minshull. In the early 1950s my father bought an Allis Chalmers B and I used it for all the row crop work with the mangolds and potatoes, rolling and the haymaking on our farm. The farm and the Allis were sold and I have spent a lifetime working on farms throughout the country. I promised myself that one day I would own an Allis. That time event
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