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current market value. Don't let them create a quote based entirely on book value, I wouldn't be surprised if that book value was the "wholesale" value as well. Persistence pays off big in this case. My father had to total out his 93 928 GTS 5spd after an unfortunate incident involving parts theft from a shop in california, and his persistence paid off tremendously. Initially, book value was assessed and they wanted to cut him a check for around $28-30k. He refused, and brought forth receipts for all of his modifications (mainly the 20k+ he spent involving building his engine, etc). After a couple months of going back and forth with different people at the insurance company, he ended up with a check for $54,000. All in all, he was able to recoup every penny he invested into that car, with the exception of a few car care products he bought at one time.
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