KBB is full of S*(^. I have sold many a car for much more than what they said it was worth. I also believe if you show your insurance adjuster everything that you put into your car they will pay up.

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1983 Mercedes 300SD
1987 Mercedes 300SDL
2001 VW Passat 2.8 AWD
2007 OM642 Jeep WK 4x4