I agree. Look up book value and start from there. What he paid has little to do with what the insurance company legally owes. If he got hosed on the purchase price that's not the insurance company's problem. If he got the BIL deal on the car that's none of their business either.
I have one car that if it was totaled I would make out like a bandit - my wife has driven her van for two years and its book value has finally come down to what I paid for it. But I would lose out on my car. I bought a 2002 Taurus two years ago with only 35K miles on it - I knew the owner and I knew it was in perfect shape. I overpaid because of the mileage and condition but today it has 90K on it without dollar spent at a shop on it. The book on it is probably $1800 at best but I couldn't replace it with a car I would trust like I trust it for twice that.
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Today's Featured Article - Earthmaster Project Progress Just a little update on my Earthmaster......it's back from the dead! I pulled the head, and soaked the stuck valves with mystery oil overnight, re-installed the head, and bingo, the compression returned. But alas, my carb foiled me again, it would fire a second then flood out. After numerous dead ends for a replacement carb, I went to work fixing mine.I soldered new floats on the float arm, they came from an old motorcycle carb, replaced the packing on the throttle shaft with o-rings, cut new ga
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