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This type of settlement does not allow you to replace what youve lost at least not without some of the money to replace it coming out of your own pocket. Rather it compensates you for the value of the item in its most recent condition before the.
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Insurance companies commonly apply a 10 cap known as the base loss of value to the sales value of your vehicle estimated by NADA or Kelley Blue Book.
. Actual cash value ACV is the depreciated value of an item of property at the time of the loss. This cap is the maximum amount your.
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