re: New car totaled - value for insurance.

quote:

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never EVER accept the insurance company's opening offer as they'll always try to lowball you - BT/DT

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We actually agreed to split the difference to close this out. So I'm pretty happy. Interesting discussion, and thanks for most of the comments. And yes, it's a lesson to me to be better at defensive driving and not to assume that other drivers aren't idiots.