I had a Saab before my 300, and it was involved in a accident where the car was totalled. I was around 8k away from paying it off, but they gave me more than 'fair' value from NADA book. Last time I checked NADA, since the 300D is now a classic car in most areas, and since the seller I bought the my last 300D from from didn't notarize the title sale price area, I had to pay $475 for the 300D, who's NADA value was assessed at $7800.

They'll try to total it out, its cheaper for them. I had papers ready to negotiate prices from NADA and comps for my saab. They ended up paying my loan and giving me enough to buy the 300D i have now

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Java Developer/Linux SysAdmin

Current:
*1984 300D ~200K,1989 MR2 250K, 2012 Ford Fusion 4.5K (fiance's car to replace the uber-unsafe cavalier)
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Past: 1998 Chevy Cavalier ,2005 Saab 9-3 2.0T, 1996 Mazda Protege, 1974 Porsche 914 2.0, 1997 Land Rover Discovery 4.0L/5Speed, 1995 Jeep Wrangler