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Marsymars a day ago

My point with the news article isn’t about the diminished value, it’s just an example of insurance companies willing to spend money on lawyers and appeals to avoid paying out what they don’t want to.

I’d expect any insurance company to ballbark the “full pre-accident value” towards the lower end of comparables, and while you might be able to negotiate that up, you’re never going to be able to recoupe everything you’ve spent on a highly-maintained car, because a lot of that simply has minimal effect on the resellable value of the car, or won’t be provable value - e.g. you can spend $1500 on top-end UV-protectant window film, but that’s pretty much never money you’ll get back in a sale or insurance claim.