If your automobile is damaged in your automobile accident, your insurance company is going to make a determination of the actual value of your car right before the accident. They’re going to make this determination based upon a variety of factors, including what they believe they could have sold that vehicle for right before the accident. When they make that determination, they are also making the determination of whether they are going to repair the vehicle and return it to you or whether they are going to declare it a total loss and just give you a check and take the vehicle.

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