Quote Originally Posted by Incontt
you have to replace it so they can sell it at an auction and recoupe some of their money they are paying out. insurance companies do suck in general. i bought my first t/a back for 1900bux and sold the damaged turbo kit for 2300 and still had a forged motor left over with fuel system etc for the current T/A.
you dont have to replace it with anything. they are going to sell it at auction for scrap metal for $400

when i totalled my old accord i left 4 flat tires on steelies, no suspension (it was sitting on the ground), took out the radio and some other random interior pieces, the trunk was completely stripped out, and there was no intake on the motor. they still gave me market value for the car.

they value you your car based on fair market value (the price that cars with similar miles and features in your area sell for), not based on the condition the car is in..otherwise people with totalled cars wouldn't get shit for their cars.