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 Lifetime of Farm Machinery - by Joe Michaels. I am a mechanical engineer by profession, specializing in powerplant work. I worked as a machinist and engine erector, with time spent overseas. I have always had a love for machinery, and an appreciation for farming and farm machinery. I was born and raised in Brooklyn, New York. Not a place one would associate with farms or farm machinery. I credit my parents for instilling a lot of good values, a respect for learning, a knowledge of various skills and a little knowledge of farming in me, amo
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