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 - Oil Bath Air Filters - by Chris Pratt. Some of us grew up thinking that an air filter was a paper thing that allowed air to pass while trapping dirt particles of a particles of a certain size. What a surprise to open up your first old tractor's air filter case and find a can that appears to be filled with the scrap metal swept from around a machine shop metal lathe. To top that off, you have a cup with oil in it ("why would you want to lubricate your carburetor?"). On closer examination (and some reading in a AC D-14 service manual), I found out that this is a pretty ingenious method of cleaning the air in the tractor's intake tract.
... [Read Article]
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