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Total Loss & Car Insurance Payouts
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That’s wild about the mods just getting ignored. I always wondered, like, who actually decides if a car’s totaled? Is it just some formula or does someone actually look at the car? My cousin’s old Civic got rear-ended and the insurance said it was totaled, but honestly, it looked fixable to me. Do they just go by repair cost vs. value, or is there more to it? The whole thing seems kinda arbitrary sometimes...
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