That is wise advice, Jeremy.

As the rest of you do not know, I am familiar with that car.

I saw it, looked at all the records carefully, and got a nice long ride in it in November

It is a gem. It presents like a 50,000 mile car, and NOT like some 250,000 mile car.

That is why the appraisal had to be done. The insurance company would simply value it as a worn out 250,000 mile junker, and give virtually nothing for it, deducting the car's whole value using the "high mileage deduction"

I know, because I used to be an insurance physical damage claims adjuster for a company everyone here would know. They screwed people on total losses in exactly this way.

It is unremarkable, as it happened all the time.

Standard insurance company practice.

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1991 560 SEC AMG, 199k <---- 300 hp 10:1 ECE euro HV ...

1995 E 420, 170k "The Red Plum" (sold)

2015 BMW 535i xdrive awd Stage 1 DINAN, 6k, <----364 hp

1967 Mercury Cougar, 49k

2013 Jaguar XF, 20k <----340 hp Supercharged, All Wheel Drive (sold)