Check your policy, becase some insurance companies pay "replacement value," meaning what it will cost you to get another car like yours... retail value.

But some companies, such as State Farm I think, pay "actual cash value," meaning practically nothing, like what a wholesaler would pay for your car.

__________________

currently enjoying,
'96 E300 black opal 149K
'97 E300 smoke silver 137K
also owned by family members,
'83 240D manual
'97 E300 white
'02 Jetta TDI