FWIW, another good friend crashed his cherished Pantera and the insurance company wanted to" total" it, but he determined that his car properly repaired would be a far better car than he could buy with the insurance money. His car was not under-insured (at least not by the market values of the day), but he realized he could not buy a car as nice or complete as his (in terms of upgrades and improvements he's made over the years); He speculated he would have had to use all the insurance money to buy a nice car as a starting point, then spend another $40K or more to do everything he had done to his car - quad cam supercharged modular motor, brakes, suspension, interior, etc. to get it to the same level. So in that regard, I guess you could say he was under-insured! Food for thought!
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